Bank Reconciliation

Feature Title: Visual Transaction Reconciliation (Cleared/Uncleared Status)

Objective: To introduce a lightweight, visual transaction reconciliation workflow that allows users to match their recorded transactions against posted bank activity. This ensures data accuracy and helps users identify unauthorized or missing transactions early, without requiring a complex, multi-step reconciliation wizard.

User Value: This feature serves users who manually maintain a high-precision ledger and cross-reference it with their online banking every few days. It bridges the gap between traditional checkbook balancing and modern instant-banking app design.

Core Components & Mechanics:

1. Transaction Status Toggle

• Property: Add a binary status (Cleared / Uncleared) to all account transactions. New transactions default to Uncleared.

• UI/UX: A simple, high-visibility visual indicator (like a checkmark circle) on each line item in the transaction register.

• Interaction: A single tap/click on this indicator immediately toggles the state between cleared and uncleared, with no confirmation dialogs or separate edit screens required.

2. Account Balance Breakdown Instead of showing only a single static number, the account header should display a clear financial summary:

• Total Balance: The absolute balance of all recorded transactions (Cleared + Uncleared).

• Cleared Balance: The sum of only Cleared transactions. This number should mirror the user’s actual posted bank balance.

• Uncleared Total: The net sum of outstanding/pending transactions, giving the user a clear view of money that is committed but hasn't yet settled.

3. Quick-Filter Views Add a persistent filter bar at the top of the transaction register with three views:

• All: Displays the full history.

• Uncleared Only: Instantly isolates outstanding items. This makes the daily or weekly matching process incredibly efficient, as the list shrinks to zero as the user works through it.

• Cleared Only: For auditing past reconciled items.

Example User Workflow:

1. The user opens the app and flips the filter to "Uncleared Only."

2. They pull up their bank's online portal side-by-side.

3. As they spot a transaction that has officially posted at the bank, they tap the toggle next to it in the app.

4. The item disappears from the "Uncleared" list, the Cleared Balance updates in real-time to match the bank, and the user is done in under 60 seconds.