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Reconciliation Hub

Reconcile bank transactions against Muin records across multiple rails — Stripe, Plaid bank sync, ACH, and manual imports — from a unified command center.

The Reconciliation Hub is Muin’s unified workspace for matching bank transactions to your financial records. It pulls transactions from multiple sources — Stripe, Plaid bank sync, manual CSV imports — and shows you what’s matched, what’s unmatched, and what needs review in a single view.

Overview

The hub has three sections:

SectionPurpose
HubDashboard showing match rates, unreconciled totals, and quick actions
InboxUnmatched transactions waiting to be matched or categorized
Command CenterBulk operations, rule management, and reconciliation history

Navigate to Finance → Reconciliation to access all three.

Connecting Your Bank

Plaid (Automatic Bank Sync)

Connect your bank account to pull transactions automatically:

  1. Go to Finance → Reconciliation → Connections
  2. Click Connect Bank
  3. Search for your bank and authenticate via Plaid
  4. Select the accounts to sync
  5. Transactions from the last 90 days import immediately; new transactions sync within 24 hours

Supported banks include major US institutions (Chase, Bank of America, Wells Fargo, Citibank, and 10,000+ others via Plaid).

Manual Import (CSV)

For banks not supported by Plaid, or for one-time imports:

  1. Export a transaction CSV from your bank (OFX, QFX, CSV formats supported)
  2. Go to Finance → Reconciliation → Inbox
  3. Click Import Transactions
  4. Map your CSV columns (date, description, amount, reference)
  5. Import — transactions appear in the inbox for matching

Matching Transactions

Automatic Matching

Muin automatically matches transactions when it finds high-confidence candidates:

  • Stripe payouts are matched to the corresponding payment collection
  • ACH debits are matched to bills with the same amount and reference
  • Check deposits are matched to invoices with matching amounts

Auto-matched items are marked Matched and move out of the inbox.

Manual Matching

For unmatched items in the inbox:

  1. Click a transaction to open its detail panel
  2. Muin shows candidate matches (invoices, bills, payments) ranked by confidence
  3. Select the correct match
  4. Click Confirm Match — the transaction is reconciled

Creating New Records

If no match exists (a bank fee, a reimbursement, etc.):

  1. Click the transaction in the inbox
  2. Click Create Record
  3. Choose the record type: expense, income, or adjustment
  4. Fill in the required fields
  5. The transaction is reconciled against the new record

Hub Dashboard

The hub dashboard shows:

  • Unreconciled balance — total of unmatched transactions
  • Match rate — percentage of imported transactions auto-matched
  • Pending items — count of inbox items by age (< 7 days, 7–30 days, > 30 days)
  • Recent activity — last 10 reconciliation actions with user and timestamp

Command Center

The command center provides bulk operations:

  • Bulk match — select multiple transactions and match to the same record (e.g., all bank fees)
  • Bulk categorize — assign a category to a batch of transactions
  • Rules — create auto-matching rules (e.g., any transaction from “STRIPE PAYOUT” → match to Stripe settlement)
  • History — full audit log of all reconciliation actions

Reconciliation Rules

Rules speed up repetitive matching:

  1. Go to Command Center → Rules
  2. Click New Rule
  3. Define the trigger (description contains, amount equals, counterparty is)
  4. Define the action (match to account, create expense, auto-categorize)
  5. Rules apply to future imported transactions automatically

Reconciliation Insights

The Insights view (Finance → Reconciliation → Insights) shows:

  • Trends in reconciliation completeness over time
  • Common unmatched transaction types
  • Counterparties generating the most unmatched items
  • Estimated time to reconcile current inbox

Check Capture

For organizations that receive paper checks, the Capture Check flow (Finance → Reconciliation → Capture Check) connects to the Muin Go app’s check capture feature. Photographed checks are deposited via mobile remote deposit and linked to invoices automatically.

Troubleshooting

Transactions not appearing after Plaid connection:

  • Plaid may take up to 24 hours for the first sync on some banks
  • Check the connection status in Finance → Reconciliation → Connections
  • If the connection shows an error, reconnect via Fix Connection

Auto-matching confidence is low:

  • Ensure invoice and bill references match your bank’s transaction descriptions
  • Add reconciliation rules for frequently recurring transactions

Plaid connection keeps disconnecting:

  • Some banks require periodic re-authentication for security
  • Enable Persistent Connection in connection settings (where supported)

Next Steps

  • Invoices — source of matched invoice records
  • Bills — source of matched bill records
  • Cash Flow — cash position view that uses reconciled data