Accounts page

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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. 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.




Organizing your money with a Primary Checking Account


Choosing the purpose “Primary Checking” when connecting your checking account allows you to organize your money in sub-accounts. 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).
Click “Add sub-account” to add additional sub-accounts. The purpose of additional sub-accounts is always “Spending or savings” allowing you to further organize your money. Click “Edit sub-balances” to edit the balances of your sub accounts. The main sub-account’s balance cannot be edited, but is adjusted based on the balances of the other sub-accounts.




Organizing  your money with a Primary Savings Account


Choosing the purpose “Primary Savings” when connecting your savings account allows you to organize your money in sub-accounts. When chosen, two sub-accounts are automatically created. The purpose of both of these sub-accounts is “Spending or savings” allowing you to organize the money in your Primary Savings Account. Click “Add sub-account” to add additional sub-accounts. The purpose of additional sub-accounts is always “Spending or savings” allowing you to further organize your money. Click “Edit sub-balances” to edit the balances of your sub accounts. The main sub-account’s balance cannot be edited, but is adjusted based on the balances of the other sub-accounts.




Using additional individual savings accounts


If desired, you can use additional individual dedicated 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.




Connecting your Credit Cards


Otto allows you to use multiple credit cards and brings all of your charges together in one place. Choose the purpose of “Credit card” when connecting credit cards. Label each card for easy identification. Once connected, Otto brings in all future transactions and lists them on the Credit Card page. Otto does not upload past transactions. If you would like to upload past transactions, you can do so on the Credit Card page.




Hiding linked accounts on the app


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 it’s 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.




Changing linked account information


You can change the name of a linked account or the credit limit of a credit card by clicking the vertical ellipsis icon button next to the linked account and choosing “Edit Information.”




Deleting a linked account or credit card


To delete a linked account or credit card from the app click the vertical ellipsis button next to the account. Select “Delete Account” and follow the directions. Please delete accounts with great caution as it will delete all past information associated with the account from the app as well.




Adding an unlinked account


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.




Manually editing your sub-balances


Otto organizes the money in your Primary Checking and Primary Savings accounts into sub-accounts. Otto calculates and adjusts the sub-balances as you assign your credit card charges and each time you organize your money. If desired you can manually edit your sub-balances.

  • Click “Edit sub-balances” at the bottom of the account you wish to edit. This will make all but the main sub-balances editable.
  • Edit the sub-bank balances as desired. The main sub-balances automatically adjust so that the total of all the sub-balances are always equal to the money in the account.
Please use caution when editing the sub-balances in your Primary Checking to make sure your bills and credit card charges are covered.




Manually editing your bank balances


Recent banking transactions may take an hour or so to update on to the app. If desired you can temporarily override your bank balances.

  • Click the Edit button to take you to the accounts page.
  • To override a bank balance, click “Override balances” at the bottom of the accounts page. This will allow you to edit the bank balances of your accounts.
  • Your bank balances will reset the next time you manually refresh your balances or the next time you log into the app.