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

# Bank Accounts

> Manage your financial accounts and track your net worth

## Overview

Bank Accounts in Budgetron represent your real-world financial accounts. Track balances across checking, savings, credit cards, and investments in one place.

## Account Types

Budgetron supports multiple account types:

### Checking

Your primary transaction accounts:

* Day-to-day spending
* Direct deposit accounts
* Debit card accounts

### Savings

Interest-bearing savings accounts:

* Emergency funds
* Goal-based savings
* High-yield savings accounts

### Credit Card

Credit and charge accounts:

* Credit card balances (shown as negative)
* Store credit accounts
* Charge cards

### Investment

Investment and brokerage accounts:

* Stock portfolios
* Retirement accounts (401k, IRA)
* Brokerage accounts
* Mutual funds

## Key Features

### Net Worth Tracking

The Bank Accounts page displays your total net worth by summing all account balances:

* Positive balances (assets) add to net worth
* Negative balances (liabilities like credit cards) subtract from net worth
* Automatically updates as transactions are added
* Multi-currency support with conversion to base currency

### Account Management

**Create Accounts**

* Add unlimited bank accounts
* Set initial balance
* Choose account type
* Specify currency

**View Accounts**

* Card-based layout showing key account info
* Balance displayed prominently
* Account type and currency indicators
* Quick access to account details

**Update Accounts**

* Edit account name, type, or balance
* Change account currency
* Modify account details anytime

**Delete Accounts**

* Remove accounts no longer needed
* Confirmation required to prevent accidental deletion

<Warning>
  Deleting a bank account may affect associated transactions. Ensure you've
  backed up or reassigned transactions before deleting an account.
</Warning>

## User Workflows

### Adding a Bank Account

1. Navigate to the **Bank Accounts** page
2. Click the **Add** button
3. Enter account details:
   * **Name**: Your name for the account (e.g., "Chase Checking")
   * **Type**: Select account type (Checking, Savings, Credit Card, Investment)
   * **Currency**: Choose account currency (defaults to USD)
   * **Balance**: Enter current account balance
4. Click **Create** to save

### Editing an Account

1. Find the account card on the Bank Accounts page
2. Click the options menu (⋮)
3. Select **Edit**
4. Modify account details
5. Click **Save** to update

### Viewing Account Details

1. Click on an account card
2. View:
   * Current balance
   * Account type and currency
   * Creation date
   * Associated transactions (if implemented)

### Deleting an Account

1. Click the options menu (⋮) on an account card
2. Select **Delete**
3. Confirm deletion in the dialog
4. Account is permanently removed

## Multi-Currency Accounts

Budgetron fully supports accounts in different currencies:

* Each account stores its balance in its own currency
* Net worth automatically converts all accounts to your base currency
* Exchange rates update regularly
* Clear indicators show which accounts use foreign currencies

<Info>
  When creating transactions, the currency from the selected bank account is
  automatically applied to the transaction.
</Info>

## Empty State

When you haven't added any bank accounts yet:

* A helpful card prompts you to add your first account
* Clear call-to-action button to get started
* Guidance text explains next steps

## Technical Details

### Data Structure

Bank accounts are stored with:

* `id`: Unique identifier
* `userId`: Owner of the account
* `name`: User-defined account name
* `type`: CHECKING, SAVINGS, CREDIT\_CARD, or INVESTMENT
* `currency`: Three-letter currency code (e.g., USD, EUR, GBP)
* `balance`: Current account balance
* `createdAt`: Account creation timestamp
* `updatedAt`: Last modification timestamp

### Unique Constraints

Budgetron enforces uniqueness on the combination of:

* User ID
* Account name
* Account type

This prevents accidentally creating duplicate accounts with the same name and type.

### API Integration

Bank account operations use these endpoints:

* `bankAccounts.getAll()`: Fetch all user's accounts
* `bankAccounts.create()`: Add a new account
* `bankAccounts.update()`: Modify account details
* `bankAccounts.delete()`: Remove an account

### Balance Updates

Account balances don't automatically update from transactions. Balances are manually maintained through the account editing interface. Future versions may add automatic balance tracking based on transaction history.

## Best Practices

<Tip>
  Use descriptive account names that match your bank statements, like "Chase
  Freedom Visa" instead of just "Credit Card". This makes transaction imports
  easier.
</Tip>

<Tip>
  Regularly update account balances to match your bank statements. This helps
  catch any missing transactions and keeps your net worth accurate.
</Tip>

## Related Features

* [Transactions](/features/transactions) - All transactions link to bank accounts
* [Reports](/features/reports) - Analyze account activity over time
* [Categories](/features/categories) - Organize spending from each account