05/31 Teller.io connection

app/__init__.py

@@ -29,6 +29,7 @@ def create_app(config_name=None):
     from app.routes.ai import ai_bp
     from app.routes.reports import reports_bp
     from app.routes.settings import settings_bp
+    from app.routes.teller import teller_bp
 
     app.register_blueprint(auth_bp)
     app.register_blueprint(dashboard_bp)
@@ -41,6 +42,7 @@ def create_app(config_name=None):
     app.register_blueprint(ai_bp)
     app.register_blueprint(reports_bp)
     app.register_blueprint(settings_bp)
+    app.register_blueprint(teller_bp)
 
     with app.app_context():
         from app.models import (
@@ -49,6 +51,7 @@ def create_app(config_name=None):
             Investment, InvestmentTransaction, NetWorthSnapshot,
             AiInsight, FxRate
         )
+        from app.models.teller_enrollment import TellerEnrollment, TellerAccount
 
     app.jinja_env.globals['format_currency'] = format_currency
     app.jinja_env.globals['format_percent'] = format_percent

app/config.py

@@ -23,6 +23,13 @@ class Config:
 
     ALLOWED_EXTENSIONS = {'png', 'jpg', 'jpeg', 'gif', 'pdf'}
 
+    # Teller
+    TELLER_APP_ID = os.environ.get('TELLER_APP_ID', '')
+    TELLER_ENV = os.environ.get('TELLER_ENV', 'development')
+    TELLER_CERT_PATH = os.environ.get('TELLER_CERT_PATH', '/home/pfm/teller/certificate.pem')
+    TELLER_KEY_PATH = os.environ.get('TELLER_KEY_PATH', '/home/pfm/teller/private_key.pem')
+    TELLER_WEBHOOK_SECRET = os.environ.get('TELLER_WEBHOOK_SECRET', '')
+
 
 class DevelopmentConfig(Config):
     DEBUG = True

app/models/__init__.py

@@ -10,3 +10,5 @@ from app.models.investment import Investment, InvestmentTransaction
 from app.models.net_worth_snapshot import NetWorthSnapshot
 from app.models.ai_insight import AiInsight
 from app.models.fx_rate import FxRate
+
+from app.models.teller_enrollment import TellerEnrollment, TellerAccount

app/models/teller_enrollment.py

@@ -0,0 +1,53 @@
+from app.extensions import db
+from datetime import datetime
+
+
+class TellerEnrollment(db.Model):
+    """
+    Represents a Teller enrollment — one per connected bank institution.
+    An enrollment contains one or more accounts.
+    """
+    __tablename__ = 'teller_enrollments'
+
+    id = db.Column(db.Integer, primary_key=True)
+    enrollment_id = db.Column(db.String(64), unique=True, nullable=False, index=True)
+    access_token = db.Column(db.String(128), nullable=False)
+    institution_name = db.Column(db.String(100), nullable=True)
+    user_id = db.Column(db.String(64), nullable=True)  # Teller user ID
+    is_active = db.Column(db.Boolean, default=True)
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+    last_synced_at = db.Column(db.DateTime, nullable=True)
+
+    accounts = db.relationship('TellerAccount', back_populates='enrollment',
+                               cascade='all, delete-orphan', lazy='dynamic')
+
+    def __repr__(self):
+        return f'<TellerEnrollment {self.institution_name} ({self.enrollment_id})>'
+
+
+class TellerAccount(db.Model):
+    """
+    Maps a Teller account to a PFM account.
+    Tracks the last synced transaction ID for incremental syncs.
+    """
+    __tablename__ = 'teller_accounts'
+
+    id = db.Column(db.Integer, primary_key=True)
+    enrollment_id = db.Column(db.Integer, db.ForeignKey('teller_enrollments.id'), nullable=False)
+    teller_account_id = db.Column(db.String(64), unique=True, nullable=False, index=True)
+    pfm_account_id = db.Column(db.Integer, db.ForeignKey('accounts.id'), nullable=True)
+
+    account_name = db.Column(db.String(100), nullable=True)
+    account_type = db.Column(db.String(50), nullable=True)   # depository / credit
+    account_subtype = db.Column(db.String(50), nullable=True) # checking / savings / credit_card
+    institution_name = db.Column(db.String(100), nullable=True)
+    last_sync_date = db.Column(db.Date, nullable=True)        # date of last successful sync
+    last_teller_txn_id = db.Column(db.String(64), nullable=True)  # for from_id pagination
+    is_active = db.Column(db.Boolean, default=True)
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+
+    enrollment = db.relationship('TellerEnrollment', back_populates='accounts')
+    pfm_account = db.relationship('Account')
+
+    def __repr__(self):
+        return f'<TellerAccount {self.account_name} → PFM #{self.pfm_account_id}>'

app/routes/teller.py

@@ -0,0 +1,297 @@
+import json
+import hmac
+import hashlib
+import logging
+from datetime import date
+from flask import (Blueprint, render_template, redirect, url_for, flash,
+                   request, jsonify, current_app, session)
+from flask_login import login_required, current_user
+from app.extensions import db
+from app.models.teller_enrollment import TellerEnrollment, TellerAccount
+from app.models.account import Account
+from app.services.teller_service import (
+    get_accounts, get_balance, sync_preview, import_transactions,
+    ACCOUNT_TYPE_MAP,
+)
+
+teller_bp = Blueprint('teller', __name__, url_prefix='/teller')
+log = logging.getLogger(__name__)
+
+from app.extensions import csrf as _csrf
+# Webhook receives POSTs from Teller servers — no CSRF token
+_csrf_exempt_views = ['teller.webhook']
+
+
+# ── Connect callback ──────────────────────────────────────────────────────────
+
+@teller_bp.route('/callback', methods=['POST'])
+@login_required
+def callback():
+    """
+    Teller Connect posts here after user successfully enrolls.
+    Body: { enrollment: { id, accessToken }, selectedAccount: { ... } }
+    We store the enrollment and discovered accounts, then redirect to mapping.
+    """
+    data = request.get_json()
+    if not data:
+        return jsonify({'error': 'No data'}), 400
+
+    enrollment_data = data.get('enrollment', {})
+    enrollment_id = enrollment_data.get('id', '')
+    access_token = enrollment_data.get('accessToken', '')
+
+    if not enrollment_id or not access_token:
+        return jsonify({'error': 'Missing enrollment data'}), 400
+
+    # Upsert enrollment
+    enrollment = TellerEnrollment.query.filter_by(enrollment_id=enrollment_id).first()
+    if not enrollment:
+        enrollment = TellerEnrollment(
+            enrollment_id=enrollment_id,
+            access_token=access_token,
+        )
+        db.session.add(enrollment)
+
+    # Fetch accounts from Teller
+    try:
+        teller_accounts = get_accounts(access_token)
+    except Exception as e:
+        log.error(f'[teller] get_accounts failed: {e}')
+        return jsonify({'error': f'Could not fetch accounts: {e}'}), 502
+
+    institution_name = ''
+    for ta in teller_accounts:
+        institution_name = ta.get('institution', {}).get('name', '')
+        ta_id = ta['id']
+
+        existing = TellerAccount.query.filter_by(teller_account_id=ta_id).first()
+        if not existing:
+            subtype = ta.get('subtype', 'other').lower()
+            db.session.add(TellerAccount(
+                enrollment=enrollment,
+                teller_account_id=ta_id,
+                account_name=ta.get('name', ''),
+                account_type=ta.get('type', ''),
+                account_subtype=subtype,
+                institution_name=institution_name,
+            ))
+
+    enrollment.institution_name = institution_name
+    enrollment.user_id = enrollment_data.get('user', {}).get('id', '')
+    db.session.commit()
+
+    return jsonify({'status': 'ok', 'redirect': url_for('teller.map_accounts', enrollment_id=enrollment_id)})
+
+
+@teller_bp.route('/map/<enrollment_id>', methods=['GET', 'POST'])
+@login_required
+def map_accounts(enrollment_id):
+    """
+    Let user map each Teller account to a PFM account (or create new).
+    POST saves the mapping and redirects to sync preview.
+    """
+    enrollment = TellerEnrollment.query.filter_by(enrollment_id=enrollment_id).first_or_404()
+    teller_accounts = enrollment.accounts.filter_by(is_active=True).all()
+    pfm_accounts = Account.query.filter_by(is_active=True).order_by(Account.name).all()
+
+    if request.method == 'POST':
+        for ta in teller_accounts:
+            key = f'pfm_account_{ta.id}'
+            val = request.form.get(key, '')
+            if val == 'new':
+                # Auto-create a new PFM account
+                subtype = ta.account_subtype or 'checking'
+                pfm_type = ACCOUNT_TYPE_MAP.get(subtype, 'other')
+                new_acct = Account(
+                    name=f'{ta.institution_name} — {ta.account_name}',
+                    account_type=pfm_type,
+                    color='#4F81C7',
+                    icon='bi-bank',
+                    balance=0,
+                )
+                db.session.add(new_acct)
+                db.session.flush()
+                ta.pfm_account_id = new_acct.id
+            elif val.isdigit():
+                ta.pfm_account_id = int(val)
+            # val == '' means skip this account
+        db.session.commit()
+
+        # Redirect to sync all mapped accounts
+        mapped = [ta for ta in teller_accounts if ta.pfm_account_id]
+        if not mapped:
+            flash('No accounts mapped. Select at least one account to sync.', 'warning')
+            return redirect(url_for('teller.map_accounts', enrollment_id=enrollment_id))
+
+        flash(f'{len(mapped)} account(s) mapped. Ready to sync.', 'success')
+        return redirect(url_for('teller.index'))
+
+    return render_template('teller/map_accounts.html',
+                           enrollment=enrollment,
+                           teller_accounts=teller_accounts,
+                           pfm_accounts=pfm_accounts)
+
+
+# ── Index — enrolled accounts overview ───────────────────────────────────────
+
+@teller_bp.route('/')
+@login_required
+def index():
+    enrollments = TellerEnrollment.query.filter_by(is_active=True).all()
+    return render_template('teller/index.html', enrollments=enrollments)
+
+
+# ── Sync: preview then confirm ────────────────────────────────────────────────
+
+@teller_bp.route('/sync/<int:teller_account_id>', methods=['GET'])
+@login_required
+def sync_preview_view(teller_account_id):
+    """Fetch transactions from Teller and show preview before importing."""
+    ta = db.get_or_404(TellerAccount, teller_account_id)
+
+    if not ta.pfm_account_id:
+        flash('This account is not mapped to a PFM account. Please map it first.', 'warning')
+        return redirect(url_for('teller.map_accounts', enrollment_id=ta.enrollment.enrollment_id))
+
+    try:
+        preview = sync_preview(ta)
+    except Exception as e:
+        flash(f'Sync failed: {e}', 'danger')
+        return redirect(url_for('teller.index'))
+
+    # Store preview in session for confirm step
+    session['teller_preview'] = [
+        {
+            'teller_id':        p['teller_id'],
+            'date':             p['date'].isoformat(),
+            'transaction_type': p['transaction_type'],
+            'amount':           p['amount'],
+            'description':      p['description'],
+            'account_id':       p['account_id'],
+            'category_id':      p['category_id'],
+            'notes':            p['notes'],
+        }
+        for p in preview
+    ]
+    session['teller_account_id'] = teller_account_id
+
+    return render_template('teller/preview.html',
+                           ta=ta,
+                           preview=preview,
+                           count=len(preview))
+
+
+@teller_bp.route('/sync/confirm', methods=['POST'])
+@login_required
+def sync_confirm():
+    """Import the previewed transactions."""
+    raw = session.pop('teller_preview', [])
+    ta_id = session.pop('teller_account_id', None)
+
+    if not raw or not ta_id:
+        flash('No pending import. Please sync again.', 'warning')
+        return redirect(url_for('teller.index'))
+
+    ta = db.get_or_404(TellerAccount, ta_id)
+
+    # Reconstruct parsed list with date objects
+    from datetime import date as date_cls
+    parsed = []
+    for r in raw:
+        r['date'] = date_cls.fromisoformat(r['date'])
+        parsed.append(r)
+
+    imported, skipped = import_transactions(parsed, ta)
+    flash(f'Imported {imported} transaction(s). Skipped {skipped} duplicate(s).', 'success')
+    return redirect(url_for('transactions.index'))
+
+
+@teller_bp.route('/sync/all', methods=['POST'])
+@login_required
+def sync_all():
+    """Sync all mapped accounts — redirects to first account's preview."""
+    enrollments = TellerEnrollment.query.filter_by(is_active=True).all()
+    mapped = []
+    for e in enrollments:
+        for ta in e.accounts.filter_by(is_active=True).all():
+            if ta.pfm_account_id:
+                mapped.append(ta)
+
+    if not mapped:
+        flash('No accounts mapped for sync.', 'warning')
+        return redirect(url_for('teller.index'))
+
+    # For simplicity, sync first account; user can chain through others
+    return redirect(url_for('teller.sync_preview_view', teller_account_id=mapped[0].id))
+
+
+# ── Balance refresh ───────────────────────────────────────────────────────────
+
+@teller_bp.route('/balance/<int:teller_account_id>', methods=['POST'])
+@login_required
+def refresh_balance(teller_account_id):
+    """Fetch live balance from Teller and update the linked PFM account."""
+    ta = db.get_or_404(TellerAccount, teller_account_id)
+    if not ta.pfm_account_id:
+        return jsonify({'error': 'Account not mapped'}), 400
+
+    try:
+        bal_data = get_balance(ta.enrollment.access_token, ta.teller_account_id)
+        available = float(bal_data.get('available') or bal_data.get('ledger') or 0)
+        ta.pfm_account.balance = available
+        db.session.commit()
+        return jsonify({'balance': available, 'status': 'ok'})
+    except Exception as e:
+        log.error(f'[teller] balance refresh failed: {e}')
+        return jsonify({'error': str(e)}), 502
+
+
+# ── Disconnect ────────────────────────────────────────────────────────────────
+
+@teller_bp.route('/disconnect/<int:enrollment_db_id>', methods=['POST'])
+@login_required
+def disconnect(enrollment_db_id):
+    enrollment = db.get_or_404(TellerEnrollment, enrollment_db_id)
+    enrollment.is_active = False
+    for ta in enrollment.accounts:
+        ta.is_active = False
+    db.session.commit()
+    flash(f'Disconnected from {enrollment.institution_name}.', 'info')
+    return redirect(url_for('teller.index'))
+
+
+# ── Webhook: transactions.processed ──────────────────────────────────────────
+
+@teller_bp.route('/webhook', methods=['POST'])
+@_csrf.exempt
+def webhook():
+    """
+    Teller fires this when new transactions are available.
+    Verifies signature then marks account as needing sync.
+    Does NOT auto-import — user must confirm via the UI.
+    """
+    # Verify Teller webhook signature
+    signing_secret = current_app.config.get('TELLER_WEBHOOK_SECRET', '')
+    if signing_secret:
+        sig_header = request.headers.get('Teller-Signature', '')
+        body = request.get_data()
+        expected = hmac.new(signing_secret.encode(), body, hashlib.sha256).hexdigest()
+        if not hmac.compare_digest(f'sha256={expected}', sig_header):
+            log.warning('[teller] webhook signature mismatch')
+            return jsonify({'error': 'Invalid signature'}), 401
+
+    payload = request.get_json()
+    if not payload:
+        return jsonify({'error': 'No payload'}), 400
+
+    event_type = payload.get('type', '')
+    log.info(f'[teller] webhook received: {event_type}')
+
+    if event_type == 'transactions.processed':
+        enrollment_id = payload.get('enrollment_id', '')
+        enrollment = TellerEnrollment.query.filter_by(enrollment_id=enrollment_id).first()
+        if enrollment:
+            # Just log — user syncs manually via UI preview flow
+            log.info(f'[teller] new transactions available for enrollment {enrollment_id}')
+
+    return jsonify({'status': 'received'}), 200

app/services/teller_service.py

@@ -0,0 +1,284 @@
+"""
+Teller Service — connects to Teller API using mTLS + HTTP Basic Auth.
+
+Authentication:
+  - mTLS: client cert + key (downloaded from Teller Dashboard)
+  - HTTP Basic Auth: access_token as username, empty password
+
+Endpoints used:
+  GET /accounts                              → list enrolled accounts
+  GET /accounts/:id/balances                 → account balance
+  GET /accounts/:id/transactions             → transaction list (with date range)
+
+Environment: development (real banks, reviewed by Teller)
+"""
+
+import logging
+import os
+import requests
+from datetime import date, timedelta
+from flask import current_app
+
+log = logging.getLogger(__name__)
+
+TELLER_BASE = 'https://api.teller.io'
+TELLER_VERSION = '2020-10-12'
+
+# Teller category → PFM category name mapping
+CATEGORY_MAP = {
+    'accommodation':  'Housing',
+    'advertising':    'Other',
+    'bar':            'Food & Dining',
+    'charity':        'Gifts',
+    'clothing':       'Shopping',
+    'dining':         'Food & Dining',
+    'education':      'Education',
+    'electronics':    'Shopping',
+    'entertainment':  'Entertainment',
+    'fuel':           'Transport',
+    'general':        'Other',
+    'groceries':      'Food & Dining',
+    'health':         'Health',
+    'home':           'Housing',
+    'income':         'Other Income',
+    'insurance':      'Insurance',
+    'investment':     'Investment',
+    'loan':           'Other',
+    'office':         'Other',
+    'phone':          'Utilities',
+    'service':        'Other',
+    'shopping':       'Shopping',
+    'software':       'Subscriptions',
+    'sport':          'Health',
+    'tax':            'Other',
+    'transport':      'Transport',
+    'transportation': 'Transport',
+    'utilities':      'Utilities',
+}
+
+# Teller account subtype → PFM account type
+ACCOUNT_TYPE_MAP = {
+    'checking':    'checking',
+    'savings':     'savings',
+    'credit_card': 'credit_card',
+    'money_market':'savings',
+    'cd':          'savings',
+    'brokerage':   'investment',
+    'ira':         'investment',
+    '401k':        'investment',
+    'other':       'other',
+}
+
+
+def _session(access_token):
+    """
+    Build a requests.Session with mTLS client certificate and HTTP Basic Auth.
+    Cert/key paths come from app config (TELLER_CERT_PATH / TELLER_KEY_PATH).
+    """
+    cert_path = current_app.config.get('TELLER_CERT_PATH', '')
+    key_path = current_app.config.get('TELLER_KEY_PATH', '')
+
+    if not cert_path or not key_path:
+        raise ValueError('TELLER_CERT_PATH and TELLER_KEY_PATH must be set in .env')
+    if not os.path.exists(cert_path):
+        raise FileNotFoundError(f'Teller cert not found: {cert_path}')
+    if not os.path.exists(key_path):
+        raise FileNotFoundError(f'Teller key not found: {key_path}')
+
+    session = requests.Session()
+    session.cert = (cert_path, key_path)
+    session.auth = (access_token, '')
+    session.headers.update({
+        'Teller-Version': TELLER_VERSION,
+        'Accept': 'application/json',
+    })
+    return session
+
+
+def get_accounts(access_token):
+    """
+    Fetch all accounts for an enrollment.
+    Returns list of account dicts or raises on error.
+    """
+    session = _session(access_token)
+    resp = session.get(f'{TELLER_BASE}/accounts', timeout=15)
+    resp.raise_for_status()
+    return resp.json()
+
+
+def get_balance(access_token, account_id):
+    """Fetch live balance for a single account."""
+    session = _session(access_token)
+    resp = session.get(f'{TELLER_BASE}/accounts/{account_id}/balances', timeout=15)
+    resp.raise_for_status()
+    return resp.json()
+
+
+def get_transactions(access_token, account_id, start_date=None, end_date=None,
+                     from_id=None, count=None):
+    """
+    Fetch transactions for an account.
+    Uses date range for initial sync, from_id for incremental.
+    Returns list of transaction dicts.
+    """
+    session = _session(access_token)
+    params = {}
+    if start_date:
+        params['start_date'] = start_date.isoformat() if hasattr(start_date, 'isoformat') else start_date
+    if end_date:
+        params['end_date'] = end_date.isoformat() if hasattr(end_date, 'isoformat') else end_date
+    if from_id:
+        params['from_id'] = from_id
+    if count:
+        params['count'] = count
+
+    resp = session.get(
+        f'{TELLER_BASE}/accounts/{account_id}/transactions',
+        params=params,
+        timeout=30,
+    )
+    resp.raise_for_status()
+    return resp.json()
+
+
+def parse_transaction(teller_txn, pfm_account_id, category_id_map):
+    """
+    Convert a Teller transaction dict to a PFM transaction dict ready for import.
+    Returns dict with keys matching Transaction model fields.
+
+    Teller amounts:
+    - Positive = money leaving the account (expense / debit)
+    - Negative = money entering the account (income / credit)
+    """
+    amount_raw = float(teller_txn.get('amount', 0))
+    # Teller: positive = outflow (expense), negative = inflow (income)
+    if amount_raw > 0:
+        txn_type = 'expense'
+        amount = amount_raw
+    else:
+        txn_type = 'income'
+        amount = abs(amount_raw)
+
+    description = teller_txn.get('description', '').strip() or 'Teller transaction'
+    # Use enriched counterparty name if available
+    details = teller_txn.get('details', {}) or {}
+    counterparty = (details.get('counterparty') or {}).get('name', '')
+    if counterparty and counterparty.upper() != description.upper():
+        description = counterparty
+
+    # Map Teller category to PFM category
+    teller_cat = (details.get('category') or '').lower()
+    pfm_cat_name = CATEGORY_MAP.get(teller_cat, 'Other')
+    category_id = category_id_map.get(pfm_cat_name)
+
+    return {
+        'teller_id':        teller_txn['id'],
+        'date':             date.fromisoformat(teller_txn['date']),
+        'transaction_type': txn_type,
+        'amount':           amount,
+        'description':      description,
+        'account_id':       pfm_account_id,
+        'category_id':      category_id,
+        'notes':            f'Teller: {teller_txn.get("type", "")}',
+        'status':           teller_txn.get('status', 'posted'),
+    }
+
+
+def build_category_map():
+    """Build {pfm_category_name: category_id} from DB."""
+    from app.models.category import Category
+    cats = Category.query.filter_by(is_active=True).all()
+    return {c.name: c.id for c in cats}
+
+
+def sync_preview(teller_account, days_back=90):
+    """
+    Fetch transactions for a TellerAccount and return a preview list.
+    Does NOT write to DB — just returns parsed dicts for display.
+
+    For incremental sync: uses last_sync_date - 7 days as start_date.
+    For first sync: goes back `days_back` days.
+    """
+    from app.models.teller_enrollment import TellerEnrollment
+    enrollment = teller_account.enrollment
+
+    today = date.today()
+    if teller_account.last_sync_date:
+        # Incremental: overlap 7 days to catch pending→posted changes
+        start = teller_account.last_sync_date - timedelta(days=7)
+    else:
+        # First sync
+        start = today - timedelta(days=days_back)
+
+    try:
+        raw_txns = get_transactions(
+            enrollment.access_token,
+            teller_account.teller_account_id,
+            start_date=start,
+            end_date=today,
+        )
+    except requests.exceptions.HTTPError as e:
+        log.error(f'[teller] fetch failed for {teller_account.teller_account_id}: {e}')
+        raise
+
+    cat_map = build_category_map()
+    parsed = []
+    for txn in raw_txns:
+        p = parse_transaction(txn, teller_account.pfm_account_id, cat_map)
+        parsed.append(p)
+
+    return parsed
+
+
+def import_transactions(parsed_txns, teller_account):
+    """
+    Import a list of already-parsed transaction dicts into PFM.
+    Skips duplicates based on teller_id stored in notes field.
+    Returns (imported_count, skipped_count).
+    """
+    from app.extensions import db
+    from app.models.transaction import Transaction
+    from app.services.account_service import calc_balance
+
+    imported = 0
+    skipped = 0
+    affected_accounts = set()
+
+    for p in parsed_txns:
+        # Duplicate check: match on teller_id in notes OR date+amount+description
+        teller_id = p['teller_id']
+        existing = Transaction.query.filter(
+            Transaction.notes.like(f'%{teller_id}%')
+        ).first()
+        if existing:
+            skipped += 1
+            continue
+
+        txn = Transaction(
+            account_id=p['account_id'],
+            category_id=p.get('category_id'),
+            transaction_type=p['transaction_type'],
+            amount=p['amount'],
+            description=p['description'],
+            date=p['date'],
+            notes=f"Teller:{teller_id}",
+        )
+        db.session.add(txn)
+        if p['account_id']:
+            affected_accounts.add(p['account_id'])
+        imported += 1
+
+    db.session.commit()
+
+    # Update sync metadata
+    from datetime import datetime
+    teller_account.last_sync_date = date.today()
+    if parsed_txns:
+        teller_account.last_teller_txn_id = parsed_txns[0]['teller_id']
+    from app.extensions import db as _db
+    _db.session.commit()
+
+    for account_id in affected_accounts:
+        calc_balance(account_id)
+
+    return imported, skipped

app/templates/settings/index.html

@@ -6,6 +6,15 @@
 <div class="row g-3">
     <!-- Nav cards -->
     <div class="col-12 col-sm-6 col-lg-3">
+        <a href="{{ url_for('teller.index') }}" class="text-decoration-none">
+            <div class="pcard text-center py-4" style="transition:all .15s;" onmouseover="this.style.borderColor='#10b981'" onmouseout="this.style.borderColor='var(--border)'">
+                <i class="bi bi-bank2" style="font-size:2rem;color:#10b981;"></i>
+                <div style="font-size:14px;font-weight:600;margin-top:10px;">Bank Connections</div>
+                <div style="font-size:12px;color:var(--muted);margin-top:4px;">Connect US bank accounts via Teller</div>
+            </div>
+        </a>
+    </div>
+        <div class="col-12 col-sm-6 col-lg-3">
         <a href="{{ url_for('settings.profile') }}" class="text-decoration-none">
             <div class="pcard text-center py-4" style="transition:all .15s;" onmouseover="this.style.borderColor='#3b82f6'" onmouseout="this.style.borderColor='var(--border)'">
                 <i class="bi bi-person-circle" style="font-size:2rem;color:#3b82f6;"></i>

app/templates/teller/index.html

@@ -0,0 +1,192 @@
+{% extends "base.html" %}
+{% block title %}Bank Connections{% endblock %}
+{% block page_title %}Bank Connections{% endblock %}
+
+{% block topbar_actions %}
+<button id="tellerConnectBtn" class="btn btn-sm btn-primary" style="font-size:12px;">
+    <i class="bi bi-bank me-1"></i>Connect a Bank
+</button>
+{% endblock %}
+
+{% block content %}
+{% if enrollments %}
+<div class="row g-3 mb-4">
+    {% for enrollment in enrollments %}
+    {% set accounts = enrollment.accounts.filter_by(is_active=True).all() %}
+    <div class="col-12 col-lg-8">
+        <div class="pcard">
+            <div class="d-flex justify-content-between align-items-start mb-3">
+                <div>
+                    <div style="font-size:15px;font-weight:600;">{{ enrollment.institution_name or 'Unknown Bank' }}</div>
+                    <div style="font-size:12px;color:var(--muted);">
+                        Connected {{ enrollment.created_at.strftime('%b %d, %Y') }} ·
+                        Last synced: {{ enrollment.last_synced_at.strftime('%b %d, %H:%M') if enrollment.last_synced_at else 'Never' }}
+                    </div>
+                </div>
+                <form method="POST" action="{{ url_for('teller.disconnect', enrollment_db_id=enrollment.id) }}"
+                      onsubmit="return confirm('Disconnect from {{ enrollment.institution_name }}? Existing transactions are kept.')">
+                    <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+                    <button type="submit" class="btn btn-sm btn-outline-danger" style="font-size:11px;">Disconnect</button>
+                </form>
+            </div>
+
+            {% for ta in accounts %}
+            <div class="d-flex justify-content-between align-items-center py-2" style="border-top:1px solid var(--border);">
+                <div class="d-flex align-items-center gap-2">
+                    <div style="width:32px;height:32px;border-radius:8px;background:#dbeafe;color:#1e40af;display:flex;align-items:center;justify-content:center;font-size:14px;">
+                        <i class="bi {% if ta.account_subtype == 'credit_card' %}bi-credit-card{% elif ta.account_subtype == 'savings' %}bi-piggy-bank{% else %}bi-bank{% endif %}"></i>
+                    </div>
+                    <div>
+                        <div style="font-size:13px;font-weight:500;">{{ ta.account_name }}</div>
+                        <div style="font-size:11px;color:var(--muted);">
+                            {{ ta.account_subtype | replace('_',' ') | title }}
+                            {% if ta.pfm_account %}
+                            · Mapped to <strong>{{ ta.pfm_account.name }}</strong>
+                            {% else %}
+                            · <span style="color:#f59e0b;">Not mapped</span>
+                            {% endif %}
+                        </div>
+                    </div>
+                </div>
+                <div class="d-flex align-items-center gap-2">
+                    {% if ta.pfm_account %}
+                    <!-- Balance refresh -->
+                    <button onclick="refreshBalance({{ ta.id }}, this)"
+                        class="btn btn-sm btn-outline-secondary" style="font-size:11px;" title="Refresh live balance">
+                        <i class="bi bi-arrow-clockwise"></i>
+                    </button>
+                    <!-- Sync transactions -->
+                    <a href="{{ url_for('teller.sync_preview_view', teller_account_id=ta.id) }}"
+                       class="btn btn-sm btn-outline-primary" style="font-size:11px;">
+                        <i class="bi bi-cloud-download me-1"></i>Sync
+                    </a>
+                    {% else %}
+                    <a href="{{ url_for('teller.map_accounts', enrollment_id=enrollment.enrollment_id) }}"
+                       class="btn btn-sm btn-outline-warning" style="font-size:11px;">Map Account</a>
+                    {% endif %}
+                </div>
+            </div>
+            {% endfor %}
+
+            <!-- Sync all -->
+            {% if accounts | selectattr('pfm_account_id') | list %}
+            <div class="mt-3 text-end">
+                <form method="POST" action="{{ url_for('teller.sync_all') }}" style="display:inline;">
+                    <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+                    <button type="submit" class="btn btn-sm btn-primary" style="font-size:12px;">
+                        <i class="bi bi-cloud-download me-1"></i>Sync All Accounts
+                    </button>
+                </form>
+            </div>
+            {% endif %}
+        </div>
+    </div>
+    {% endfor %}
+</div>
+{% else %}
+<div class="pcard text-center py-5 col-12 col-lg-6 mx-auto">
+    <i class="bi bi-bank2 text-muted" style="font-size:3rem;"></i>
+    <h5 class="mt-3 mb-1">No banks connected</h5>
+    <p class="text-muted small mb-3">
+        Connect your US bank accounts to automatically sync transactions and balances.
+    </p>
+    <button id="tellerConnectBtn2" class="btn btn-primary">
+        <i class="bi bi-bank me-1"></i>Connect a Bank
+    </button>
+</div>
+{% endif %}
+
+<!-- Setup instructions -->
+<div class="pcard mt-2" style="background:#f8fafc;">
+    <div class="pcard-title mb-2">Setup Requirements</div>
+    <div style="font-size:13px;color:var(--muted);line-height:1.8;">
+        <div><i class="bi bi-check-circle-fill text-success me-2"></i>Teller App ID set in <code>.env</code></div>
+        <div><i class="bi bi-check-circle-fill text-success me-2"></i>Client certificate at <code>{{ config.TELLER_CERT_PATH }}</code></div>
+        <div><i class="bi bi-check-circle-fill text-success me-2"></i>Private key at <code>{{ config.TELLER_KEY_PATH }}</code></div>
+        <div><i class="bi bi-info-circle text-muted me-2"></i>Environment: <strong>{{ config.TELLER_ENV }}</strong></div>
+    </div>
+</div>
+{% endblock %}
+
+{% block extra_js %}
+<script src="https://cdn.teller.io/connect/connect.js"></script>
+<script>
+const CSRF = '{{ csrf_token() }}';
+
+function initTellerConnect(btn) {
+    if (!btn) return;
+    btn.addEventListener('click', function() {
+        const teller = TellerConnect.setup({
+            applicationId: '{{ config.TELLER_APP_ID }}',
+            environment:   '{{ config.TELLER_ENV }}',
+            products:      ['transactions'],
+            onSuccess: function(enrollment) {
+                btn.disabled = true;
+                btn.innerHTML = '<i class="bi bi-hourglass-split me-1"></i>Connecting…';
+                fetch('/teller/callback', {
+                    method: 'POST',
+                    headers: {
+                        'Content-Type': 'application/json',
+                        'X-CSRFToken': CSRF,
+                    },
+                    body: JSON.stringify({ enrollment: enrollment }),
+                })
+                .then(r => r.json())
+                .then(data => {
+                    if (data.redirect) {
+                        window.location.href = data.redirect;
+                    } else {
+                        alert('Connection error: ' + (data.error || 'Unknown'));
+                        btn.disabled = false;
+                        btn.innerHTML = '<i class="bi bi-bank me-1"></i>Connect a Bank';
+                    }
+                })
+                .catch(() => {
+                    alert('Network error. Please try again.');
+                    btn.disabled = false;
+                    btn.innerHTML = '<i class="bi bi-bank me-1"></i>Connect a Bank';
+                });
+            },
+            onExit: function() {
+                console.log('Teller Connect closed');
+            },
+            onFailure: function(error) {
+                alert('Connection failed: ' + error.message);
+            },
+        });
+        teller.open();
+    });
+}
+
+initTellerConnect(document.getElementById('tellerConnectBtn'));
+initTellerConnect(document.getElementById('tellerConnectBtn2'));
+
+function refreshBalance(taId, btn) {
+    btn.disabled = true;
+    btn.innerHTML = '<i class="bi bi-hourglass-split"></i>';
+    fetch('/teller/balance/' + taId, {
+        method: 'POST',
+        headers: { 'X-CSRFToken': CSRF },
+    })
+    .then(r => r.json())
+    .then(data => {
+        btn.disabled = false;
+        btn.innerHTML = '<i class="bi bi-arrow-clockwise"></i>';
+        if (data.balance != null) {
+            const sym = '{{ current_user.currency_symbol }}';
+            btn.title = 'Balance: ' + sym + parseFloat(data.balance).toLocaleString(undefined, {minimumFractionDigits:2});
+            btn.style.color = '#10b981';
+            setTimeout(() => btn.style.color = '', 3000);
+        } else {
+            btn.title = data.error || 'Failed';
+            btn.style.color = '#ef4444';
+            setTimeout(() => btn.style.color = '', 3000);
+        }
+    })
+    .catch(() => {
+        btn.disabled = false;
+        btn.innerHTML = '<i class="bi bi-arrow-clockwise"></i>';
+    });
+}
+</script>
+{% endblock %}

app/templates/teller/map_accounts.html

@@ -0,0 +1,62 @@
+{% extends "base.html" %}
+{% block title %}Map Accounts{% endblock %}
+{% block page_title %}Map Bank Accounts{% endblock %}
+
+{% block content %}
+<div class="row justify-content-center">
+<div class="col-12 col-lg-7">
+
+<div class="pcard mb-3" style="background:#f0fdf4;border-color:#bbf7d0;">
+    <div style="font-size:13px;color:#166534;">
+        <i class="bi bi-check-circle-fill me-2"></i>
+        <strong>{{ enrollment.institution_name }}</strong> connected successfully.
+        Map each account below to a PFM account, or create a new one automatically.
+    </div>
+</div>
+
+<div class="pcard">
+    <form method="POST">
+        <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+
+        {% for ta in teller_accounts %}
+        <div class="mb-4 pb-4" style="{% if not loop.last %}border-bottom:1px solid var(--border);{% endif %}">
+            <div class="d-flex align-items-center gap-2 mb-2">
+                <div style="width:36px;height:36px;border-radius:9px;background:#dbeafe;color:#1e40af;display:flex;align-items:center;justify-content:center;font-size:16px;">
+                    <i class="bi {% if ta.account_subtype == 'credit_card' %}bi-credit-card{% elif ta.account_subtype == 'savings' %}bi-piggy-bank{% else %}bi-bank{% endif %}"></i>
+                </div>
+                <div>
+                    <div style="font-size:14px;font-weight:600;">{{ ta.account_name }}</div>
+                    <div style="font-size:11px;color:var(--muted);">
+                        {{ ta.institution_name }} · {{ ta.account_subtype | replace('_',' ') | title }}
+                        · ID: <span class="mono">{{ ta.teller_account_id[-8:] }}</span>
+                    </div>
+                </div>
+            </div>
+
+            <label class="form-label" style="font-size:13px;font-weight:500;">Map to PFM Account</label>
+            <select name="pfm_account_{{ ta.id }}" class="form-select form-select-sm">
+                <option value="">— Skip this account —</option>
+                <option value="new" {% if not pfm_accounts %}selected{% endif %}>
+                    ✨ Create new account automatically
+                </option>
+                {% for acct in pfm_accounts %}
+                <option value="{{ acct.id }}" {% if ta.pfm_account_id == acct.id %}selected{% endif %}>
+                    {{ acct.name }} ({{ acct.account_type | replace('_',' ') | title }})
+                </option>
+                {% endfor %}
+            </select>
+            <small class="text-muted" style="font-size:11px;">
+                "Create new" auto-names the account "{{ ta.institution_name }} — {{ ta.account_name }}"
+            </small>
+        </div>
+        {% endfor %}
+
+        <div class="d-flex gap-2 mt-2">
+            <button type="submit" class="btn btn-primary">Save Mapping & Continue</button>
+            <a href="{{ url_for('teller.index') }}" class="btn btn-outline-secondary">Cancel</a>
+        </div>
+    </form>
+</div>
+</div>
+</div>
+{% endblock %}

app/templates/teller/preview.html

@@ -0,0 +1,89 @@
+{% extends "base.html" %}
+{% block title %}Sync Preview{% endblock %}
+{% block page_title %}Sync Preview — {{ ta.account_name }}{% endblock %}
+
+{% block content %}
+<div class="pcard mb-3 d-flex justify-content-between align-items-center">
+    <div>
+        <div style="font-size:14px;font-weight:600;">{{ ta.institution_name }} — {{ ta.account_name }}</div>
+        <div style="font-size:12px;color:var(--muted);">
+            Mapped to: <strong>{{ ta.pfm_account.name }}</strong> ·
+            {{ count }} transaction(s) found
+            {% if ta.last_sync_date %}· Last sync: {{ ta.last_sync_date.strftime('%b %d, %Y') }}{% endif %}
+        </div>
+    </div>
+    <div class="d-flex gap-2">
+        <a href="{{ url_for('teller.index') }}" class="btn btn-sm btn-outline-secondary" style="font-size:12px;">Cancel</a>
+        {% if count > 0 %}
+        <form method="POST" action="{{ url_for('teller.sync_confirm') }}">
+            <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+            <button type="submit" class="btn btn-sm btn-success" style="font-size:12px;">
+                <i class="bi bi-check-lg me-1"></i>Import {{ count }} Transaction(s)
+            </button>
+        </form>
+        {% endif %}
+    </div>
+</div>
+
+{% if preview %}
+<div class="pcard p-0">
+    <table class="pfm-table">
+        <thead>
+            <tr>
+                <th style="padding-left:20px;">Date</th>
+                <th>Description</th>
+                <th>Type</th>
+                <th>Category</th>
+                <th class="text-end" style="padding-right:20px;">Amount</th>
+            </tr>
+        </thead>
+        <tbody>
+        {% for txn in preview %}
+        <tr>
+            <td style="padding-left:20px;font-size:12px;color:var(--muted);white-space:nowrap;">
+                {{ txn.date.strftime('%b %d, %Y') }}
+            </td>
+            <td style="font-size:13px;">{{ txn.description }}</td>
+            <td>
+                <span class="badge {% if txn.transaction_type == 'income' %}badge-income{% else %}badge-expense{% endif %}" style="font-size:11px;">
+                    {{ txn.transaction_type | title }}
+                </span>
+            </td>
+            <td style="font-size:12px;color:var(--muted);">
+                {% if txn.category_id %}
+                    {% for cat in [txn.category_id] %}
+                    {# Look up category name via the category_id #}
+                    {{ txn.notes | replace('Teller:', '') }}
+                    {% endfor %}
+                {% else %}
+                <span style="color:#f59e0b;">Uncategorised</span>
+                {% endif %}
+            </td>
+            <td class="text-end mono {% if txn.transaction_type == 'income' %}text-income{% else %}text-expense{% endif %}"
+                style="font-size:13px;font-weight:600;padding-right:20px;">
+                {% if txn.transaction_type == 'income' %}+{% else %}-{% endif %}{{ txn.amount | currency }}
+            </td>
+        </tr>
+        {% endfor %}
+        </tbody>
+    </table>
+</div>
+
+<div class="d-flex justify-content-end mt-3">
+    <form method="POST" action="{{ url_for('teller.sync_confirm') }}">
+        <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+        <button type="submit" class="btn btn-success">
+            <i class="bi bi-check-lg me-1"></i>Confirm Import ({{ count }} transactions)
+        </button>
+    </form>
+</div>
+
+{% else %}
+<div class="pcard text-center py-5">
+    <i class="bi bi-check-circle text-success" style="font-size:3rem;"></i>
+    <h5 class="mt-3 mb-1">All up to date</h5>
+    <p class="text-muted small">No new transactions found since last sync.</p>
+    <a href="{{ url_for('teller.index') }}" class="btn btn-sm btn-outline-secondary">Back</a>
+</div>
+{% endif %}
+{% endblock %}

teller/certificate.pem

@@ -0,0 +1,29 @@
+-----BEGIN CERTIFICATE-----
+MIIExjCCAq6gAwIBAgIIGLTT6l1wsDMwDQYJKoZIhvcNAQELBQAwYTELMAkGA1UE
+BhMCR0IxEDAOBgNVBAgMB0VuZ2xhbmQxDzANBgNVBAcMBkxvbmRvbjEPMA0GA1UE
+CgwGVGVsbGVyMR4wHAYDVQQLDBVUZWxsZXIgQXBwbGljYXRpb24gQ0EwHhcNMjYw
+NjAxMDIyNTU2WhcNMjkwNTMxMDIyNTU2WjAkMSIwIAYDVQQDDBlhcHBfcHQwODBj
+OW52ZThoazBnMWNzMDAwMIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEA
+wqhPhALJWScrvPx2KeV2wJuuENke8AD1Tstjj2ICmtp3RG3X5TNZshSzQTd9nEN7
+hwuUR1mZ+Y7LhR1eDlPuVDKzsiyBExVSL2dR6OmuCJmypXNn2yUYI4NkzNclpMk6
++oQzW8OpfokzGlr9vPQgiEZqQM7ce3xIFWVnwowSzUCrjjz5pVG5DesQZOxet46P
+VkSaZ1LvYaOTdqEpzE7yHcFr5umHoiEfhfPYCNfSmhUDWdlo11bGmtAKLWR9LMWU
+hJKjNUpCawbj3V1xQSDMiHJ5MeccEfGrNAnVhX6cNtMOv20RxTNWk6vu7NjFxY01
+qAV8FdGP/+UEmHi0Zg1xUwIDAQABo4G+MIG7MA4GA1UdDwEB/wQEAwIF4DATBgNV
+HSUEDDAKBggrBgEFBQcDAjCBkwYDVR0jBIGLMIGIgBSEq++simSLxXkuNSUKjel6
+pmhxmqFlpGMwYTELMAkGA1UEBhMCR0IxEDAOBgNVBAgMB0VuZ2xhbmQxDzANBgNV
+BAcMBkxvbmRvbjEPMA0GA1UECgwGVGVsbGVyMR4wHAYDVQQLDBVUZWxsZXIgQXBw
+bGljYXRpb24gQ0GCCQDiNWG/vm85CTANBgkqhkiG9w0BAQsFAAOCAgEAYyUeMNqU
+98ZoQ42RIrLDMcF8QZjQHrr7Dg+i0zqAc/VQyO1cCa8KoVVBUtiXSJ2KuBEektWk
+/Qn24XsprhQn3t/27zv1t3R2BfPqyAFUaj+W4BEJlNhp8Srd+Fb12Y8SghHOaWlN
+FIsussSV3UrusKPtLzcNN9AGOcA52B4bhvZW9SKy3benvFPDWOlVgCTJ02NXjPYj
+buOeMtYGROxpjwwqbeghLXRicicJkpNQTWtpnsVysnN9+nARYvhBgMHkEqyPz1Or
+O/RTZN9rmv8XmbSIGx2PztzHEfijJYalVHr11FBz3f+blecOIXsirw+4lrehAHmu
+AV3HygQ4CJ7oZdXRxz8U4K4wzlzYnt/EJX5Ki0MzHNdVvcqGMurZVWFJolLG3cNz
+kOC79sHghnFXam3HS5CKWbKA/ZqDHHYwZXNFoLUu3a3vG7HNPfiPac1o1s0neD3D
+wL5cQDlpWNzmUkxLRxOXXp9aEcsIh2YidgPeqeLRyHiZQtXDxrKMQM/vadBuVWh/
+RLgfw0IMEITavgdTqkLauAbkx0LWD6AiARl+cPexR9oJnvOHIcPa8fekFcdUkUZy
+SiijNfHV520sf+IwufA+Vrv/JSor4+4AsGvvBvwtHSV5/+BBKPp4WcqQ3Ibu+Uxl
+uiYPzHXmRdTY0GYa9LMolJYQOtl4U4PPvMU=
+-----END CERTIFICATE-----
+

teller/private_key.pem

@@ -0,0 +1,28 @@
+-----BEGIN PRIVATE KEY-----
+MIIEvQIBADANBgkqhkiG9w0BAQEFAASCBKcwggSjAgEAAoIBAQDCqE+EAslZJyu8
+/HYp5XbAm64Q2R7wAPVOy2OPYgKa2ndEbdflM1myFLNBN32cQ3uHC5RHWZn5jsuF
+HV4OU+5UMrOyLIETFVIvZ1Ho6a4ImbKlc2fbJRgjg2TM1yWkyTr6hDNbw6l+iTMa
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+-----END PRIVATE KEY-----