What "reconciled" means

An account is reconciled when every transaction’s Reported Balance follows from the transaction before it, and the whole chain agrees with finzu’s own Running Balance. In plain terms: the bank’s own numbers, read in order, actually add up — and finzu’s math matches them.

Take a tiny checking account:

Date	Description	Amount	Reported Balance
Jan 1	Opening	—	$500
Jan 3	Coffee shop	−$5	$495
Jan 5	Paycheck	+$2,000	$2,495
Jan 8	Rent	−$1,800	$695

Each row’s Reported Balance is exactly the previous balance plus that row’s amount, and finzu’s Running Balance lands on the same numbers. That’s what reconciled looks like: not “no errors were reported,” but “the numbers were independently checked, and they hold.”

Why this matters more than “no red flags”

An app that never flags anything might just not be checking. Finzu’s “reconciled” badge means the opposite of silence — it means the check ran, and passed. That’s the difference between an app you trust because it’s quiet and one you trust because it actually looked.

Next: what it looks like when the numbers don’t add up.