Finances

The Finances section gives board members a real-time view of the HOA's bank accounts — cash on hand, recent transactions, financial reports, and account goals. Dues history and payment tracking are in the Dues section. This article covers the Finances page and how to use it.

Who can access the Finances section?

The Finances section is available to board members with the President, Treasurer, or Secretary role. Residents do not have access to this section.

What does the Finances page show?

Finances is organized into four tabs: Overview, Transactions, Reports, and Settings.

Overview is the default tab and shows:

• A cash summary strip — Cash on hand, Reserve balance (when a Reserve account is set up), Net for the current month, and a count of transactions needing reconciliation
• Linked accounts — one card for each linked bank account, showing an icon badge, the account name, a classification chip (Operating, Reserve, or Other), current balance, and a goal progress bar when a goal is set. A dashed "Add account" tile starts a new bank connection flow directly from this tab. Each account card has a gear icon with options to rename the account, classify it, or remove it. Click Set goals → at the top of this section, or Edit on an account card, to jump to the Settings tab and set a goal.
• An income-vs-expense chart for the past 12 months
• A reserve health card (when a Reserve account exists) showing balance, goal, and trend
• Dues snapshot — a summary card showing three dues health metrics: Outstanding (unpaid principal across all units), Collected this month, and Awaiting payout (principal in transit). Click the card to go to the Dues section for full history and management.

Transactions shows a day-grouped list of bank transactions across all linked accounts. Use the search box and filters to narrow results, click a row to open its detail drawer, and export filtered transactions as a CSV.

Reports builds standard financial statements from your linked-account activity — see "What reports can the board generate?" below.

Settings is where you set a savings or spending goal for each linked bank account — see "Set an account goal" below.

How do I filter bank transactions?

Use the filter bar above the ledger:

• Search — type any text to filter by transaction description
• Direction — filter to Income only, Expenses only, or All transactions
• Account — filter to a specific linked bank account or view all accounts combined

How do I export bank transactions?

Click Export CSV in the ledger to download the filtered transactions. The export applies whichever search, direction, and account filters are currently active.

What reports can the board generate?

The Reports tab builds standard financial statements from your linked-account activity for any date range you pick. Choose a report and a period on the left, and a live preview renders on the right. The available reports are:

• Income & Expense (P&L) — total income and expenses grouped by category for the period, with net income. Transfers between your own HOA accounts are excluded so they don't inflate either side.
• Transaction register — every posted transaction in the period across all linked accounts, with a running balance.
• Payout detail — Stripe dues payouts that landed in the period, itemized by the dues payments included in each.
• Dues collection — expected vs. collected dues per unit for the period, with a collection rate. Dues still in transit (processing) count as expected but not yet collected until they settle.
• Reserve balances — the balance of each Reserve-classified account as of the end of the period.
• Balance sheet — cash position across all accounts as of the end of the period.

How do I choose a report period?

Use the period picker in the Reports tab to select a start and end date, or pick a preset (for example, this year or last quarter). The preview and any export reflect the selected range. Report ranges can span up to five years.

How do I export a report?

Click Download CSV in the Reports tab to download the report as a spreadsheet-ready CSV for the selected period. Click Download PDF to generate a formatted PDF (a few seconds); it downloads automatically when ready.

How do I open transaction details?

Click any bank transaction row in the ledger to open the detail drawer.

The drawer shows the posted amount, date, account, payee or description, and any memo or category details available for that row. Using the category dropdown in the row changes the category without opening the drawer.

How do I refresh bank balances and transactions?

Click Sync from Stripe at the top of the Finances page. You can manually sync bank data from Stripe periodically. If the button is temporarily unavailable, Fourplex shows when the next manual sync can run. Fourplex also refreshes linked bank accounts automatically once a day.

Why "Last synced" and "Bank balance as of" show different times

These two lines track different things:

• Last synced is when Fourplex last pulled data from your bank.
• Bank balance as of is the time your bank stamped on the balance itself.

Banks report balances on their own schedule — often just once a business day — so the balance can be older than your last sync, especially over weekends and holidays. This is normal and the balance refreshes automatically; you don't need to do anything. The (?) icon next to the balance time explains the same thing in the app.

If a balance hasn't updated in a while, Fourplex shows an amber note ("Your bank hasn't posted a newer balance yet."). If it stays stale for several days, try Sync from Stripe; if it still doesn't update, your bank connection may need to be re-linked (remove the account and add it again).

How do I categorize a bank transaction?

Each transaction row has a category selector. Click the category to open a dropdown and choose from the board-assignable categories:

Category	Use for
Deposit	Refunds, owner reimbursements, and non-dues deposits
Dues — check	HOA dues paid by paper check
Dues — transfer	HOA dues paid by bank transfer or Zelle
Interest	Interest earned on HOA accounts
Landscaping	Recurring or one-off landscaping work
Insurance	Property and liability insurance
Repairs	Plumbing, electrical, gate, or building repairs
Utilities	Water, electricity, gas, internet
Bank fee	Monthly service charges, wire fees, returned-item fees
Admin & software	Office supplies, postage, bookkeeping, software
Transfer	Money moved between HOA-owned accounts

Two categories are set automatically and cannot be changed by the board: Dues Payout (set when a Stripe dues deposit lands in the account) and Assessment (set for assessment-linked activity).

How do board notes work?

Each transaction drawer includes a Notes section for board-only operational notes.

• Use Add note to attach a new note to the transaction
• Use the pencil icon to edit an existing note
• Use the archive icon to remove a note from the active drawer view

Board notes are visible to board members with finances access. Residents do not see these notes.

How do I attach a receipt to a bank transaction?

Board members can attach receipts and supporting documents — vendor invoices, bills, or deposit slips — directly to a bank transaction.

1. Go to Finances in the sidebar.
2. Click the bank transaction you want to attach a receipt to. This opens its detail drawer.
3. In the Receipt & documents section, drag a file onto the drop zone or click to browse and choose a file (PDF, PNG, or JPG).
4. The receipt appears in the section once the upload finishes. A paperclip indicator also appears on that transaction's row in the ledger.

Each file can be up to 25 MB. Receipts are board-only — they are stored in a board-only Receipts folder in Documents and are never visible to residents.

How do I view or remove a receipt?

1. Open the transaction's detail drawer from the Finances ledger.
2. In the Receipt & documents section, click a receipt to open it.
3. To remove a receipt, use the remove option next to it. Removing a receipt unlinks it from the transaction and the paperclip indicator disappears from the ledger row once no receipts remain.

Only board members with finances access can attach, view, or remove receipts.

What extra details appear for Stripe payout deposits?

When a bank transaction is a Stripe payout deposit, its drawer includes a locked Stripe section that shows:

• The payout id
• The net amount deposited into the bank
• The payout capture window, when available
• The dues or assessment payments included in that payout, with the month each payment covers
• A View in Payouts link that opens your full payout history under Dues → Payouts

You can still use board notes on payout deposits, but the payout amounts and included-payment list are read-only in this view.

How do I see the full payout history?

Go to Dues → Payouts in the sidebar. The Payouts tab shows all historical payouts from Stripe, not just the most recent ones. Scroll down and click Load more to page through older payouts.

Each payout entry shows the payout date, status, and amount deposited. Click a payout row to open its breakdown — a list of the dues payments included in that payout, with the dues period (month) each payment covers and the owner and unit it belongs to.

Payouts that processed before your HOA's account was set up may show a summary line for the total unmatched amount rather than individual unit breakdowns. If you notice a payout without an itemized list, it will resolve automatically once your HOA's payment history is fully synced.

Can the board reconcile dues from the Finances page?

Not yet. The current Finances drawer does not include match-to-dues or reconciliation controls.

Use the Dues section for dues history, payment events, assessments, payouts, and disputes. The Finances page is currently the bank book and payout-deposit detail surface only.

Why doesn't the board see processing fees?

The Finances section shows bank transaction amounts as they appear in the bank — the actual amounts that moved in or out of the account. Stripe processing fees are deducted before the deposit reaches the bank, so the ledger reflects the net bank activity.

Residents who pay by card see a surcharge line on their own Payments page ("incl. $X processing fee"). That line is only visible to the individual resident, not to the board.

How do I see dues payment history?

Go to Dues in the sidebar. The Dues section contains:

• A monthly grid showing which units have paid, are pending, or are overdue
• Payment events (the full transaction log for dues payments)
• Assessments, payouts, and disputes

How do I add a bank account?

1. Go to Finances in the sidebar.
2. In the Linked accounts section, click the dashed Add account tile.
3. Complete the Stripe bank authorization flow that opens.
4. The new account appears in the Linked accounts section once the connection is confirmed.

Your HOA can link up to four bank accounts. When you reach the limit, the Add account tile shows an at-limit message.

How do I remove a bank account?

1. Go to Finances in the sidebar.
2. In the Linked accounts section, click the gear icon on the account card you want to remove.
3. Select Remove account from the menu.
4. Confirm the removal in the dialog that appears.

Removing a linked account stops balance and transaction syncing for that account. It does not affect where dues deposits land.

How do I rename a bank account?

1. Go to Finances in the sidebar.
2. In the Linked accounts section, click the gear icon on the account card.
3. Select Rename from the menu.
4. Type the new nickname and press Save (or Enter). Leave the field empty and save to clear the nickname and revert to the bank name.

The nickname appears on the account card, in the ledger account filter dropdown, and as the sub-label on each transaction row.

How do I classify a bank account as Operating, Reserve, or Other?

1. Go to Finances in the sidebar.
2. In the Linked accounts section, click the gear icon on the account card.
3. Select Operating, Reserve, or Other from the menu.

The classification chip on the card face updates immediately. The classification also controls how the account is labeled in the ledger filters.

Set an account goal

You can set a savings or spending target for each linked bank account and track progress from the Overview tab.

1. Go to Finances → Settings in the sidebar (or click Set goals → on the Overview tab).
2. Find the account you want to set a goal for.
3. Enter a dollar amount in the goal field.
4. Click Save goal.

The label and progress wording depend on how the account is classified:

• Reserve accounts show a "Reserve funding goal" and progress toward it as "funded" (for example, "60% funded").
• Operating and Other accounts show a "Target operating balance" and progress as "of target" (for example, "60% of target").

Once a goal is set, the account's card on the Overview tab shows a progress bar and either how much is left to reach the goal or "Goal reached." To clear a goal, go back to Settings and click Remove next to that account.

Goals can only be set on your linked bank accounts, not on the Stripe balance — Stripe payouts move to your bank on Stripe's own schedule rather than sitting in an account you hold a goal against.

Can we link more than one bank account?

Yes. Finances supports up to four linked HOA bank accounts.

• If your bank exposes multiple eligible checking or savings accounts, Stripe may let you select more than one during a single bank-link flow.
• You can also run the link flow again later to add accounts from the same bank or a different bank until you reach the four-account cap.
• These linked accounts are read-only for balances and transactions. They do not change where dues deposits land.

Bank credentials never pass through the platform. Stripe Financial Connections handles bank authorization and provides read-only balance and transaction access.

Setting your billing start month

Configure a First billing month in Dues → Settings. This tells the platform when dues collection starts for your community. Residents can only enroll in autopay once you have set a billing start month.

Go to Dues → History to see the monthly dues grid. Months before your billing start month appear as grey hatched "Not started" cells.