Words together means all of them. AND, OR and NOT in capitals, "quotes" for an exact phrase, and brackets to group. Searching happens in your browser. What you type is not sent anywhere.
🔧 Rule Syntax
Rules use a simple syntax for matching transaction descriptions:
| Rule | Meaning | Example match |
|---|---|---|
| WALMART | Contains "WALMART" | WALMART SUPERCENTER ANYTOWN MI |
| PANERA+BREAD | Contains BOTH "PANERA" and "BREAD" | AplPay PANERA BREAD COMMERCE MI |
| RESTAURANT -FAST FOOD | Contains "RESTAURANT" but NOT "FAST FOOD" | BOB'S RESTAURANT DETROIT MI |
| T-MOBILE | Treated as one word (hyphen inside word) | ELECTRONIC WITHDRAWAL T-MOBILE PCS SVC |
| COSTCO+GROCERY | "COSTCO" AND "GROCERY" | COSTCO WHOLESALE GROCERY STORE |
| GAS+MI -COMMERCE | "GAS" AND "MI", NOT "COMMERCE" | AplPay SPEEDWAY GAS ANYTOWN MI |
Key rule: The minus sign (-) is only a NOT operator when it has a space before it. Without a space, it's part of the word: T-MOBILE, AUTO-PMT, COCA-COLA all stay as single terms.
What wins when several things could apply. In order:
1. A category you set yourself on that transaction — it outranks everything below, and nothing you add later changes it.
2. Your rules. Among rules, more terms beat fewer; among equal terms, the longer keyword wins. So T-MOBILE PCS beats MOBILE, and WALMART+GROCERY beats WALMART.
3. Built-in merchant patterns — the ones that recognize Netflix, Costco, Shell, Social Security, and card payments out of the box. You can turn these off in Insights → Built-in Merchant Patterns; card-payment recognition stays on either way, so a card payment is never counted as spending on top of the purchases it paid for.
4. Uncategorized, when nothing matches.
Account-scoped rules don't jump the queue — scoping a rule to one account means it only applies on that account. It still competes with your other rules on the same terms-then-length basis.
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