> For the complete documentation index, see [llms.txt](https://tribalfs.gitbook.io/accountant/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tribalfs.gitbook.io/accountant/accounts/bank-details.md).

# Bank details

Record a bank account's interest, fees and time deposit terms, and see what it earns after tax.

**What you'll do:** add the details of a savings account, e-wallet or time deposit, so the app can estimate its interest, remind you before a deposit matures, and match your bank's alerts.

## Before you start

Bank details are for accounts in the **Cash in bank** and **E-wallet** categories. These accounts are always **Cash accounts**.

## Set up bank details

1. Open **Accounts**, tap the account, then tap **Set up bank details**.
2. Read the intro (*"Know what this account earns"*) and tap **Set up bank details**.
3. Fill in what you know. The first card has the main fields:
   * **Account type**: Savings, Checking / current, Time deposit, E-wallet, Payroll or Other
   * **Bank or provider**: *"Bank alerts use this name to tell which account an alert is for."*
   * **Annual interest rate (%)**
   * **Account number**: *"Only the last 4 digits are shared with AI."*
   * **Debit card ending in** (not for time deposits): *"Last 4 digits of this account's debit card, to match receipts and bank alerts."*
4. Tap **View more** for the rest, and **View less** to hide them again.
5. Go back. From the account editor, your answers are kept with the account (*"Saved with the account."*); tap **Save** on the account to keep them.

| Section                                    | Fields                                                                                                                                                                                                                                                                                                  |
| ------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Time deposit** (shown without View more) | **Placement date**, **Term**, **Maturity date** and **Remind me before maturity**                                                                                                                                                                                                                       |
| **Interest**                               | **Rate tiers**, **Compounding**, **Interest credited** (including **Daily**, except for time deposits), **Rate applies to** (daily, average daily or minimum monthly balance), **Days in the interest year** (365 or 360), **Withholding tax on interest (%)** and **Minimum balance to earn interest** |
| **Time deposit** (under View more)         | **Placement amount**, **On maturity** (pay out or roll over) and the **Reminder** timing                                                                                                                                                                                                                |
| **Account**                                | **Branch**, **Account holder**, **Joint account** and **Opening date**                                                                                                                                                                                                                                  |
| **Fees and limits**                        | **Maintaining balance**, **Fee below maintaining balance**, **Monthly service fee** and **Deposit insurance cover**                                                                                                                                                                                     |
| **Notes**                                  | For example, when a promo rate ends                                                                                                                                                                                                                                                                     |

{% hint style="info" %}
**Bank or provider** and the card ending matter: [Drafts from bank alerts](/accountant/transactions/bank-alerts.md) and [receipt scanning](/accountant/transactions/scanning-receipts.md) use them to tell which account an alert or receipt belongs to.
{% endhint %}

### Rates that change with the balance

Some accounts pay a higher rate on the part of the balance above an amount. Under **View more › Interest**, tap **Rate tiers**, then **Add tier**. Enter the **Balance above** amount and its **Annual interest rate (%)**: *"The part of the balance above this amount earns this rate."*

The main rate then applies to the balance up to the first tier, and the rate reads, for example, *"3% · 4% above ₱100,000"*. Estimates add up each slice of the balance at its own rate.

## Look up a bank's rates and fees online

A cloud AI model can fill in a bank's published rates and fees for you. It needs Gemini, OpenAI or Claude set up with your own key. See [Setting up AI Accountant](/accountant/ai-accountant/setting-up-ai.md).

1. Enter **Bank or provider**. A tip appears above **View more**: *"Fill in this bank's rates and fees from the web with AI."*
2. Tap **Look up**. The app shows *"Searching ‹bank›…"*. You can cancel it.
3. If the bank has several products, choose one (*"Which account?"*).
4. Review what was found: *"Check these with your bank."* Each field has a check box. If you already entered a different value, it shows *"Now: ‹your value›"* and starts unticked. The **Sources** are listed below.
5. Tap **Fill in** to copy the ticked fields.

If no cloud model is ready, the tip says *"A cloud AI model can fill in this bank's rates and fees."* and **Set up** opens the AI settings.

{% hint style="success" %}
Only the bank's name, the account type, the currency, your country and a time deposit's term are sent. Your account number, holder name, balance and notes never leave your phone.
{% endhint %}

Answers can be out of date or wrong. Check them with your bank. Other messages you may see: *"No published terms found for ‹bank›."* and *"Web search is off for this Claude account. Its admin can turn it on in the Claude Console."*

## Bank overview

Once set up, the account editor's button reads **Bank details** and opens the **Bank overview**:

* **Earning about** ₱X a month after tax, and the yearly rate, with an **Interest breakdown** (before tax, tax withheld, after tax). Estimates assume the balance stays the same.
* For a time deposit: the interest and value **at maturity, after tax**.
* Warnings such as *"Below the ₱10,000.00 maintaining balance"* or *"₱X over the ₱500,000.00 insured limit"*.

To change the details, tap the settings button in the toolbar. To remove them, open the details and tap **⋮ › Remove bank details**: *"Remove these bank details? Balances and transactions stay."*

The account's transactions screen shows a one-line summary, and **⋮ › Bank details** opens the overview. See [Account transactions](/accountant/accounts/account-transactions.md).

## Reminders and insights

* **Time deposits:** with **Remind me before maturity** on, you get a notification before the maturity date. After it matures, *"Rolled over or withdrawn? Update the details."*
* **AI insights** on Home can mention a maturing deposit, an account below its maintaining balance, or cash sitting in an account that earns nothing while another pays interest.

{% hint style="success" %}
The full account number stays on your phone. AI sees only the **last 4 digits**.
{% endhint %}