Accounts page

Linking your accounts and credit cards to the app

Click the “Link accounts and credit card” and follow the instructions to securely link your bank account(s) and credit cards to the app.
Link your bank accounts and credit cards to Otto.
You will not need to link your debt or investment accounts.
Please note: If you need to link a new account at an already linked institution, you must search for that institution again as if it was not already linked. As you do this, it will bring in any new accounts and add them to the other accounts you have at the existing institution.

Set up your Primary Checking

Once you've connected your checking account, use the dropdown menu and choose Primary Checking as its Purpose. When you do, four set sub-accounts are automatically created for you.
- Bills Account (for paying bills).
- Spending Account (for necessary spending).
- Income Account (money coming in will be moved into this sub-account for organizing).
- Credit Card Payoff Account (to hold the money you have spent so it’s ready to make your credit card payments).
You can click on Add sub-account to add additional sub-account. We recommend using these for shorter term spending such as, Eating out, Gifts, Clothing etc.
Label each account for easy identification.
Click on the colored icon to change the color of an account.
Click Edit sub-balances to edit the the balance in each sub-account.
- Please note: You cannot edit the Bills Account balance. This balance keeps your account reconciled to your bank balance and adjusts based on the balances of your other sub-accounts.
For your help and reference, the vertical ellipsis button next to your Primary Checking allows you to
- Download past transactions
- Edit account information, such as its name at your financial institution, or
- Delete an account

Set up your Primary Savings

Once you’ve connected your savings account, use the dropdown menu and choose Primary Savings as its Purpose. Two sub-accounts are automatically created. The purpose of both of these sub-accounts is Spending or savings.
Label each sub-account based on how you plan to use it.
- We recommend using these for longer term spending such as, Vacation Savings, Home Improvement Savings, Medical Savings, etc.
Click on the colored icon to change the color of the account.
You can click on Add sub-account to add additional sub-account.
Click Edit sub-balances to edit the the balance in each sub-account.
- Please note: You cannot edit the Main sub-account balance. This balance keeps your account reconciled to your bank balance and adjusts based on the balances of your other sub-accounts.
For your help and reference, the vertical ellipsis button next to your Primary Savings allows you to
- Download past transactions
- Edit account information, such as its name at your financial institution, or
- Delete an account

Set up your Credit Cards

Otto is designed to be used with credit cards that can be completely paid off. To give you a fresh start, we recommend that you pay off your credit cards before you get started.
Otto allows you to use multiple credit cards and brings all of your charges together in one place.
For each card use the dropdown menu and choose the Purpose of Credit Card.
Label each card for easy identification.
Once connected, Otto brings in all future transactions and lists them on the Credit Card page. To give you a fresh start, Otto does not bring in past charges.
If your credit limit does not automatically come in, you can click the vertical ellipsis button, then click on Edit information and add your credit limit.
For your help and reference, the vertical ellipsis button next to your credit cards allows you to
- Download past transactions
- Edit account information, such as your credit limit, if it did not automatically upload, or
Delete an account

What if my credit cards are carrying a balance?

Choose your credit card with the smallest outstanding balance. Use the dropdown menu and for this one card choose Credit Card for the Purpose.
Label this card for easy identification.
Click on the colored icon to change the color of the credit card.
Starting today, Otto will make sure you pay off any new charges you make on this card, and help you quickly pay off the outstanding balance.
- Until this card is fully paid off, you will need to make manual payments on this card each time you organize your income. This is further explained on the Credit Card and Organize pages.
For all other credit cards that are carrying a balance, use the dropdown menu and choose None (hidden on app) for the Purpose.
- IMPORTANT: Stop using these cards! Once they have been completely paid off, you can change their Purpose to Credit Card and begin using them with Otto.

Add sub-accounts

Additional accounts and features

If desired, you can link additional checking and savings accounts. Link the account and then choose the purpose of Spending or saving. Label your accounts for easy identification. When organizing or assigning charges to these individual accounts, Otto will calculate the money you need to transfer into or out of each account when you organize your money.
If you do not want a linked account to show up on the app, you can choose None for the purpose of this account.
- The account will remain linked, but none of its information will show up on the app.
- If you currently have credit card charges assigned to an account, choosing none, will un-assign these charges.
If you have an account at an institution that cannot link with the app, or if you simply choose not to link an institution, you may manually add this account.
- Click the horizontal ellipsis button at the bottom of the page and click Add Unlinked Account. You can then choose the account's purpose just as you would if it was a linked account.
Recent banking transactions may take an hour or so to update on to the app. If desired you can temporarily override your bank balances by clicking Override balances at the bottom of the accounts page. This will allow you to manually edit the balances of your bank accounts and credit cards.
- Your balances will reset the next time you manually refresh your balances or the next time you log into the app.

Coming soon