Why balances and transactions can lag
Linked data arrives on the institution's schedule, not instantly. Here is what is normal and what is not.
Linked account data depends on your financial institution and on Plaid's sync timing. Some balances and transactions do not update the moment a purchase happens.
- Pending transactions can change amount, merchant, or date before they post.
- Some institutions post in overnight batches.
- Investment values move with the market even when you did not buy or sell anything.
- An account that repeatedly fails to sync usually needs reconnecting from the Accounts area.
If something looks outdated, refresh the screen, check the account's sync status, and give the institution time to finish posting.
Related articles
Troubleshooting connection issues
A missing transaction, a stale balance, or a bank that stopped reporting. Work through these checks in order.
Pending transactions explained
Pending means the bank has seen the charge but has not finalised it. Amounts, merchants, and dates can all still change.
Reading your portfolio graph and P/L
Why Seed's year-to-date number can differ from your brokerage's, and what Since a date in the header means.
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