What “read-only bank access” actually means

Read-only describes what Budgeteer Pro’s bank connection is used to do: import financial activity for budgeting. It cannot move money, pay bills, or change your bank account. Other apps can use different bank products, so check each service’s permissions separately.

Where you sign in

Depending on the institution, you authenticate through Plaid or leave the connection flow for your bank’s website or app. With OAuth, you authorize access at the bank and return to complete the connection. Budgeteer Pro never receives or stores your bank password. Plaid explains its OAuth flow here.

What the app receives

Budgeteer Pro uses the connection to retrieve account and transaction information, including balances and supported liability details. The access token stays on the server and is not returned to your browser or phone. Imported activity can be categorized automatically; Review lets you inspect and correct it.

Disconnecting is different from deleting

Use the bank management controls to disconnect an institution. Budgeteer Pro requests revocation at Plaid. Disconnecting stops that connection; it is not a request to erase all previously imported records or cancel a subscription.

Account deletion has a 30-day grace window before permanent removal. Cancel paid subscriptions separately. The Privacy Policy explains financial-record deletion and the separate retention rules for providers and support records.

Decide whether you need a connection

Manual entry and imports are available without bank sync. Premium adds automatic bank syncing for supported U.S. institutions. Review the connection permissions and your account visibility before sharing a household.

Read our security overview, Privacy Policy, and Free and Premium comparison for the details.