What your bank shares — and what it doesn’t.

Ledgerwire connects your AI assistant to your real bank data, read-only. What’s available depends on your specific bank: different institutions report different things, and bank data lags posting by a few days. We show exactly what your bank shares — and never invent the rest. Here’s what to expect.

Most major U.S. banks, credit unions, and brokerages — thousands of institutions — through our regulated data network (Quiltt, routing through Finicity, a Mastercard company). That covers checking and savings, credit cards, brokerage and retirement accounts, and loans and mortgages. Banks like Chase, Capital One, Wells Fargo, American Express, Fidelity, and Charles Schwab are reachable, alongside thousands of regional banks and credit unions. Ledgerwire currently supports U.S. institutions only. The surest way to check your specific bank: start a connection and search for it by name — if it appears in the list, it’s supported.

Because banks don’t all share the same information. Ledgerwire shows exactly what each bank reports through the data network — and different banks report different things. Some share your credit card’s interest rate (APR), minimum payment, and due date; others share only the balance and recent transactions. The same is true for investment holdings and spending categories. When a bank doesn’t report a detail, Ledgerwire shows it as unavailable rather than guessing — a blank is more honest than a wrong number on a financial product. If two of your banks look different, that’s almost always the bank’s data, not a bug.

Read-only access to the accounts you connect: balances (each with the date it was last observed), transactions and search, spending by category, recurring charges, investment accounts and holdings, loan balances and payment breakdowns, and credit-card or loan APR, minimum payment, due date, statement balance, and credit limit where your bank reports them. Everything is read-only — Ledgerwire cannot move money, make payments, or change anything at your bank. The full tool list is on our security page.

It is not real-time. Banks send transactions to the data network in batches, so posted transactions typically lag by a few days and very recent activity may not appear yet. Balances carry an “as of” timestamp showing when they were last observed. One practical effect: the current month or week is usually incomplete — ask “how much did I spend this month?” and the answer reflects what has posted so far, rising as more transactions sync. Ledgerwire flags this so your assistant can tell you when a period is still in progress rather than presenting a partial total as final.

No. Ledgerwire fetches your data from the network each time you ask a question, uses it to answer, and does not retain it. See our privacy policy for the details.

If your bank doesn’t appear in the connection search, it isn’t supported through the network yet. If a connected bank shows missing details (no APR, no holdings, no categories), that’s the bank not reporting them — see “Why does my AI assistant have one of my banks’ details but not another’s?” above. If data looks stale or a connection shows an error, reconnect the institution from your dashboard.

Email support@ledgerwire.io — a human reads it.