> ## Documentation Index
> Fetch the complete documentation index at: https://docs.thredfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Accounts

> Zero integration work - enable your customers to connect their business bank accounts via our embedded frontend SDK

### For Business Owners (What Your Users See):

1. **Open Accounting Interface**: Business owner logs into your platform
2. **Click "Connect Bank"**: Button appears in the Thred embedded widget
3. **Authenticate**: Plaid modal opens, user logs into their bank securely
4. **Select Accounts**: Choose checking, savings, or credit card accounts to sync
5. **Done**: Connection established, data starts flowing immediately

**Partner Integration Required:** None. This entire flow happens in the Thred widget.

## What Happens After Connection

Once a business owner connects their bank account:

* **2-Year History**: Historical transactions backfill automatically
* **Daily Sync**: New transactions sync every 24 hours
* **Auto-Reconciliation**: Transactions reconcile to invoices/bills automatically
* **Categorization**: AI-powered categorization runs on all transactions

**No webhooks to implement. No cron jobs to run. Platform handles everything.**

## Accessing Bank Data (Partners)

Once a business owner connects their bank, partners can read the data via API:

### List Bank Accounts

[`GET /v1/platform/businesses/{id}/bank-accounts/`](/api-reference/bank-accounts/list-bank-accounts)

Returns all connected bank accounts with:

* Account name, type (checking/savings/credit)
* Current balance
* Last sync timestamp
* Connection status

### List Bank Transactions

[`GET /v1/platform/businesses/{id}/bank-transactions/`](/api-reference/bank-transactions/list-bank-transactions)

Returns synced transactions with:

* Amount, date, description
* Merchant name, category
* Reconciliation status (matched to invoice/bill or unmatched)

### Use Cases:

* **Financial Dashboards**: Build custom analytics on top of bank data
* **Cash Flow Forecasting**: Use transaction history for predictions
* **Reconciliation Workflows**: Build custom matching logic
* **Export Features**: Let users download transaction CSVs

## Account Selection Best Practices

Help your users understand which accounts to connect:

* **Checking accounts** → Usually yes (primary business transactions)
* **Savings accounts** → Maybe (if used for business cash reserves)
* **Credit cards** → Yes if used for business expenses

Show account name, mask (last 4 digits), and current balance in your UX when available.

## Supported Banks

Plaid supports 10,000+ financial institutions across:

* GB, DE, FR, NL, ES, IT, IE
* BE, AT, PT, SE, NO, DK, FI, IS

## Next Steps

With bank accounts connected, Thred automatically categorizes transactions and reconciles them to invoices/bills.

Continue to learn about the [embedded accounting features](/implementation/embedded-accounting).