I appreciate you for getting back to us, trevecpa.

You're correct. You'll have to download the transactions manually. Once you connect your Bank of America account, the system will download them for you automatically.

Once you connect the account, the information and privacy are protected. You may read through this article for more details: Privacy Statement.

After downloading the transactions, you can categorize them to ensure they're on the correct accounts.

I'll be around if you have other concerns with categorizing or the privacy statement.