Can X1 move my money?

No. The access is view-only. X1 can't move money, make payments, or place trades.

Does X1 see my bank login?

No. You sign in to your institution through Plaid, and X1 never sees or stores your username or password.

Which accounts can I connect?

Checking and savings accounts at most US banks, plus investment holdings and loan details where your institution shares them through Plaid. Some investment-only or loan-only institutions aren't available yet.

What does filing an account do?

Your ledger lists each account under the person, business, or trust you file it under. Filing accounts this way is part of paid membership; connecting them is free.

What happens when I disconnect an institution?

X1 removes the connection at Plaid, so that institution stops sharing with X1, and deletes its accounts from your ledger.

X1 for bank and investment accounts

Every account, filed under who owns it.

Connect your bank accounts through Plaid, with investment and loan details where your institution shares them. File each account under the person, business, or trust it belongs to, so your household record shows which entity holds what.

Connect your accounts See membership

Connecting accounts is free. Filing them under a person, business, or trust is part of paid membership. See pricing. Already have an account? Add an institution.

Connected accounts

Business checking ···4821
Harbor Works LLC
Brokerage ···0937
Marin Family Trust
Joint checking ···1150
Personal

Filed under Harbor Works LLC. Your ledger groups it there now.

Fictional example of accounts filed on a household record.

How connecting accounts works.

Access is view-only. X1 sees the accounts you connect and can't move money.

01
Connect an institution
Choose your bank in Plaid and sign in there. X1 never sees your login, and the access it gets is view-only.
02
X1 brings in the accounts
X1 brings in the accounts you connect: checking and savings, plus investment holdings and loan details where your institution shares them through Plaid.
03
File each account where it belongs
File each account under the person, business, or trust it belongs to. Your ledger groups it there, so the operating account sits with the LLC and the brokerage account sits with the trust.
04
Stay current
Plaid tells X1 when an institution has new activity, and X1 updates on its own, with a regular check in case a notice is missed.

What X1 can do with your accounts.

X1 can

View the accounts you connect, with holdings and loan details where your institution shares them
Keep them up to date as your institutions report changes

X1 can't

Move money, make payments, or place trades
See your bank login
Keep access after you disconnect an institution

X1 keeps your accounts on your private household record. Read how X1 protects your information and who can see it on the security page.

Questions about connecting accounts.

Can X1 move my money?: No. The access is view-only. X1 can't move money, make payments, or place trades.
Does X1 see my bank login?: No. You sign in to your institution through Plaid, and X1 never sees or stores your username or password.
Which accounts can I connect?: Checking and savings accounts at most US banks, plus investment holdings and loan details where your institution shares them through Plaid. Some investment-only or loan-only institutions aren't available yet.
What does filing an account do?: Your ledger lists each account under the person, business, or trust you file it under. Filing accounts this way is part of paid membership; connecting them is free.
What happens when I disconnect an institution?: X1 removes the connection at Plaid, so that institution stops sharing with X1, and deletes its accounts from your ledger.