Bank Feeds subscription

Bank Feeds is the optional add-on that connects Solid Accounting to your bank or credit card via Plaid for automated daily transaction sync. It's a separate paid add-on because Plaid charges Solid per-connection per-month — pass-through pricing rather than baking it into the base license.

For the technical and operational side of Bank Feeds (how it works, the review queue, matching), see Banking → Bank Feeds. This page covers the billing.

Pricing

The annual plan saves about 20% vs monthly. Both prices include 2 active connections.

What's a "connection"

One connection is one bank login. A connection can sync many accounts under that login:

• One Chase login → one connection, even if you have a checking, savings, and 4 credit cards under it
• One Bank of America login + one Wells Fargo login → two connections

For most small businesses, 2 connections cover everything (operating bank + business credit card). Larger or multi-banked businesses may need more.

Adding more connections

If you need more than 2:

Manage connection count at Settings → Bank Feeds → Manage subscription.

Activating Bank Feeds

After purchase:

1. Settings → Bank Feeds → Connect a bank
2. The Plaid Link dialog opens
3. Select your bank from the searchable list (12,000+ supported)
4. Sign in to your bank's online portal — Plaid handles auth; your bank credentials never touch Solid's servers
5. Pick which accounts under that login to sync (most banks have multiple)
6. Solid pulls the last 90 days of history; new transactions sync daily

Each connected bank shows in Settings → Bank Feeds with status, last sync time, and connected-account count.

Monthly vs annual

Most users start monthly to test, then switch to annual after a few months.

Switching plans

Monthly → annual: Settings → Bank Feeds → Switch to annual — the next bill is the annual amount; current month's charge counts as a credit toward the annual.

Annual → monthly: takes effect at the next renewal date. You don't lose the annual you've paid; just future billing changes.

Cancelling

Two paths:

1. Cancel auto-renewal — Settings → Bank Feeds → Cancel subscription. Your current period (month or year) finishes; nothing more is charged after.
2. Cancel and refund — for annual plans, prorated refund of unused months. See Refunds → Bank Feeds.

After cancellation, the bank-feed connections stop syncing; existing data stays in Solid (transactions you've already imported are unaffected). To resume later, re-subscribe and the connections re-link.

Banks that don't work

Plaid covers ~12,000 institutions but not every bank. Common exclusions:

• Some small credit unions
• Some international banks (Plaid is US-focused; UK, Canada, EU support is partial)
• Banks that have explicitly opted out of third-party aggregator access (rare but happens)

If your bank isn't supported:

• Use the OFX/QFX or CSV import path — manual download from your bank's online portal, import file via the wizard
• File a request with Plaid through their public support channels — they add new banks regularly
• Email Solid support — we relay requests too, but the additions come from Plaid's side

What happens to imported data after cancellation

All transactions imported via Bank Feeds while you were subscribed stay in Solid. They're regular journal entries; cancellation doesn't delete them.

What stops:

• New transactions stop syncing
• The connection itself becomes inactive
• The review queue stops getting new items

What stays:

• Every transaction you've already imported
• The bank-account history in your .solid file
• Reconciliation results from imports

Plaid Link reauth

Banks periodically expire their access tokens for security (typically every 30–90 days). When this happens, the connection prompts you to re-authenticate via Plaid Link:

• A notification appears in Solid
• Settings → Bank Feeds → Reconnect [Bank Name]
• Plaid Link re-opens; sign in to your bank again
• The connection resumes; missed transactions backfill on next sync

Frequent reauths (more than monthly) usually indicate your bank is on the aggressive end of access-token rotation. Some banks force this monthly; nothing Solid or Plaid can do about it from the outside.

Multi-user and Bank Feeds

In a multi-user file, Bank Feeds is set up on the authority machine (Host or Dedicated Server). Other users see the synced transactions in the file but don't run their own connection.

If you migrate the host machine, the Plaid connection's auth tokens stay with the old machine. After move, Settings → Bank Feeds → Reconnect re-establishes the connection from the new machine.

Tier compatibility

Bank Feeds works on all tiers (Standard, Pro, Accountant). Pricing is the same.

The base license isn't required to be active for Bank Feeds; you could in theory keep Bank Feeds running with a lapsed Updates plan. But you'd need an active Updates plan for new features in the Bank-Feeds-related parts of Solid (improved matchers, added bank coverage). Most users keep both.

Common gotchas

"My bank is on Plaid's list but the connection keeps failing." Plaid sometimes lists banks before the integration is stable. Check their status page (status.plaid.com); if there's a known incident, wait. If not, contact Plaid support — Solid can't fix Plaid-side issues.

"I cancelled but transactions are still syncing." Cancellation takes effect at the end of the current billing period. Mid-cycle cancellation = you keep service until the period ends.

"I want to switch from Plaid to a different aggregator." Solid currently uses Plaid only. Other aggregators (Yodlee, MX, Finicity) may be added in future versions; the provider abstraction is in place.

"I have 3 banks but only paid for 2 connections." The 3rd connection won't activate until you upgrade. Either upgrade (extra $4/mo or $40/yr per connection) or pick which 2 banks to sync; the 3rd uses manual OFX/CSV import.

"My subscription billed me but Bank Feeds shows nothing connected." Subscription billing and connection setup are separate. After paying, you still need to Connect a bank — the sub doesn't auto-connect for you.

Cross-references

• Banking → Bank Feeds — operational details (review queue, matching, troubleshooting)
• Account & Billing overview — pricing model summary
• Refunds → Bank Feeds — refund mechanics
• OFX/QFX format and CSV format — manual alternatives when Bank Feeds isn't an option