How secure is linking my accounts?
We take the protection of your confidential information seriously. NerdWallet has built its products based on best practices and industry standards.
Additionally, it’s important to note that NerdWallet does not sell your account information with third parties, nor do NerdWallet employees have the ability to see or access your account details.
How can I request new features?
We love hearing feature requests from our members! Feel free to send them over to us, and we’ll pass it over to our product team.
Some of my transactions are not showing up. How do I get this fixed?
The first thing to note is that pending transactions might not show up on your account until they are posted (finalized) with the merchant’s bank. This usually happens within a couple days, but sometimes may take longer. To check if the transaction is posted and finalized, you'll want to log into your financial institution's account and review your running transactions.
Our platform also updates nightly, so some transactions that are finalized during the day may not show up until the following day.
If a transaction has posted for more than a day and is still not showing up on your account, please try unlinking your account, and then linking it again. If this still doesn’t work, send us a message with details (including any screenshots, if possible), and we’ll get our engineering team to take a look!
I’m seeing a transaction that I didn’t make in my account. Why is this showing up?
The information you see in your account comes directly from the financial institution that you linked with NerdWallet. If you’re seeing a transaction that you don’t recognize, we recommend checking your statement on the financial institution’s own website, and contacting them directly if you believe that the charge is not valid.
If you are seeing a transaction on your NerdWallet account, but cannot find it on your financial institution’s statement, please contact us with details. We’ll investigate!
How do I delete a transaction?
The transactions you see are categorized by date of occurrence across all of your linked accounts, and should reflect the same information you might see if you were to log into those accounts individually. There’s currently no way to delete or remove transactions from the transaction portion of our tool, but our team is considering the feature for future updates. Feel free to send us any feature requests, and we’ll pass it along!
I’m running into problems linking my Capital One account. What do I do?
If you’re having some trouble connecting your Capital One account, it’s likely because you’ll need to request an Access Code from Capital One before they allow NerdWallet to access your transaction information.
To get this Access Code, first sign into your Capital One account, and then take the following steps:
- Click the tab labeled “My Info”
- Under “Preferences”, click “Access Code”
- Click the button labeled “Create”
- Enter the code generated when requested in your NerdWallet account
Why are some numbers in my transactions green, and others have a minus sign in front of them?
Transactions that are green signify an addition to your account. This could include deposits or transfers to the account (including payments). When you see a minus in front of the transaction, this means that an amount was deducted from your account. Purchases made with the account/card and withdrawals would all be considered a deduction from the account.
If you feel that your transactions are being marked incorrectly, please first check your statement with your corresponding bank to see if it matches. If it does not, send us a message with details, and we’ll pass it along to our engineering team to investigate!
Can I add another transaction category?
There’s currently no option to add your category yet, but feel free to send us any categories you’d like to see included in the future - we’ll pass it to our product team!
How are my transactions categorized?
We have an internal algorithm that automatically categorizes each transaction. You are also able to manually change the category for individual transactions.
How do I change my transaction category?
Simply click the transaction that you’d like to update. You’ll find the category at the bottom of the transaction details pop up. Select the right category in the drop down and click out of the box -- the category will be automatically updated.
Can I change a transaction from negative to positive (or vice-versa)?
The transactions displayed in your account should generally match what you'd see if you were to check each account's individual ongoing activity. Unfortunately, this information cannot be changed.
My spending total looks wrong. How is this being calculated?
Your spending total is calculated by adding all of your cash outflows for the month. “Cash outflows” include any bills you’ve paid, your day-to-day spending, and any cash withdrawals you’ve made.
If your total still seems wrong, please send us a message with any other details (and if possible, a screenshot), and we’ll take a closer look!
How are my assets and debts calculated?
“Asset” and “debt” (sometimes called “liability”) are personal financial terms that you may run across when you’re using your NerdWallet account. “Assets” are generally things that you own, while “debts” and “liabilities” usually refer to things that you owe.
For example, the balance that’s in your bank and investment accounts are considered “assets”, because they belong to you, whereas credit card balances or student loans are considered “debts”, because you owe this money to someone else.
Your assets and debts are updated every night, so some transactions that are made during the day may not show up until the following day. Note is that pending transactions might not show up on your account until they are posted (finalized) with the merchant’s bank.
Our platform tracks assets and liabilities to help you better understand your progress towards your financial goals each month. Feel free to read more about this here: How to Find Your Net Worth
I can’t find my bank. What do I do?
Our database does not currently encompass every single financial institution in the United States. Specifically, some small and/or regional banks and credit unions are not yet available. We’re looking at ways to make more financial institutions available to our members in the future, so it would be helpful to know which particular bank you’re looking to add. Feel free to reach out to us with your bank name, and we’ll pass it along to our product team!
I see multiple bank accounts listed when I try to find mine. Which one do I choose?
If your bank is listed in the initial pop up, try clicking that icon first.
We also generally see more success with trying the first or second option that appears after you type a name into the search bar (make sure you’re choosing the right type of account, such as credit cards, or banking!). You can also try to match the URL of the page you usually use to log in to on your bank’s website with the URL under the bank’s name in our database.
If you’re still unable to connect your account, please send us a message with the bank name and type of account, and we’ll help you figure out the right option to choose!
I’m trying to link my account but it just keeps loading. What should I do?
It can sometimes take a few minutes for an account to connect. If you’ve waited for more than 5 minutes and your account still did not connect successfully, please try unlinking your account and trying one more time.
If you’re still experiencing some trouble with this, send us a note with your bank name and the type of account you’re trying to add, and we’ll take a look!
I’m having trouble linking my account. What do I do?
The best thing to do first is to double check that the username and password you’re providing as your login credentials are correct (usually, you can do this by using them to log into your account on the bank’s own website).
If you’re having trouble selecting the right bank account from the search results, try matching the URL of the page you usually use to log in to on your bank’s website with the URL under the bank’s name in our database.
If you’ve verified that the credentials are correct and are still having some trouble linking your account, please send us a message with your bank name, the type of account you’re trying to add, and any error messages you’re receiving. We’ll look into it for you!