Hi Gavin,
Being notified at 3 AM is something I also don't want to experience daily. However, please know that we're unable to change the schedule of when you receive bank feeds. That said, I encourage you to submit feedback on this, so our engineers can consider making schedule options in future updates.
- Click the Gear icon.
- Choose Feedback.
- Enter a sentence or two to describe your feedback and click Next.
On the other hand, you can also check about categorizing and matching transactions for your additional reference.
Feel free to reach back out if you have other questions in mind. Have a good one.