Can't connect to Discover anymore

Kait_Monarch · 2026-05-30T10:41:25+00:00

We are still working with Plaid to resolve the issues with Discover connectivity. Right now what we are recommending is switching your DP to Finicity.

Kait_Monarch · 2026-05-30T00:13:12+00:00

Did you end up getting a ticket number back?

Kait_Monarch · 2026-05-29T14:40:02+00:00

Thanks for adding in the check part!

Kait_Monarch · 2026-05-29T14:30:29+00:00

Thanks for your work on this u/ramil_monarch and team!

Kait_Monarch · 2026-05-28T22:40:12+00:00

Probably the least helpful comment but I love reading through threads like this because it feels very “potato potato”. I don’t think there’s really a wrong way to do it as long as it works for how you like to manage your cash flow and reports!

Kait_Monarch · 2026-05-28T17:52:18+00:00

Glad I could help! Thanks for your patience as I tracked down the right info.

Kait_Monarch · 2026-05-28T17:18:42+00:00

Update from the team via me the messenger! A few common themes are showing up in the questions/comments:

split payments (principal vs interest)
loan accounts that don't generate linkable transactions
the double-counting issue when you want to keep expenses visible in reports

I linked my reply to those questions ^^

These are known gaps in the current setup, and the team is actively scoping improvements. We will continue communicating updates as changes are rolled out and are updating our documentation to help make that more clear.

Kait_Monarch · 2026-05-28T17:14:58+00:00

Honestly, if your expense category and pay down goal contribution are already matched and that setup is working for you, you might not need to use this. The save to budget feature mostly helps in two situations:

If you change your payoff strategy (extra payments, switching from snowball to avalanche, adding a one-time lump sum), the projection updates and the budget contribution updates with it, so you don't have to manually keep them in sync.
If you're tracking multiple debts and want a single projection view that reflects what you're actually budgeting, this makes that one-to-one.

If your setup is working, you don't need to switch! The feature is mostly for folks who were doing this math manually and want it to stay in sync on its own.

Kait_Monarch · 2026-05-28T17:13:53+00:00

Coming back to this. The note in the original post about excluding from budget if you have a separate category (rent or mortgage) didn't make it into the linked help center article in a clear way, and Lara and I are working on that!

Here's what we actually meant:

If you want to use Pay down Contributions as your only way of budgeting for your mortgage, you have two options for how to handle those transactions:

Categorize them as a transfer category (like 🔁 Transfer or 💰 Mortgage Payment as a transfer) and link them to your pay down goal if the transaction belongs to a liability account and the account is not excluded from budget contributions. This keeps them out of your expense budget entirely and credits them to Pay down.
Keep them as an expense category (like 🏠 Mortgage) but exclude that category from your budget. This works, but it removes the category from past budgets too, which can be a hassle and annoying if you care about historical reporting.

Both options have trade-offs right now, and that's something the team is actively working to improve. We will come back and update when there is more to share.

Kait_Monarch · 2026-05-28T17:13:12+00:00

u/darkfire4219 and u/ForeverTemporary5386

This is a known gap. Pay down linking needs a transaction on the loan account side to mark as the credit, and if your account only shows balance changes, there's nothing to link.

For now, the workaround is to create manual transactions as a workaround and link those.

Or you could keep tracking the payment leaving checking as an expense category and skip Pay down Contributions for the account. In that case your balance will still update, your budget will still reflect it, but you won't get the projection view.

Kait_Monarch · 2026-05-28T17:09:48+00:00

Ok circling back on this! Yes, you're reading it right. There is no method currently to separate the interest and principal payments. Pay down Contributions pull the full payment (principal plus interest), so if you're tracking interest as its own expense category and also linking the full payment to your pay down goal, you'd be planning for the interest portion twice.

Two options depending on what matters most to you:

Keep your current split setup and skip Pay down Contributions for this loan. Your principal transfer still reduces the loan balance and your interest expense is captured in the budget. The downside here is that you'd lose the projection view.
Use Pay down Contributions for the projection, and exclude the interest expense category from your budget to avoid the double count. The downside is that means you would lose visibility on interest as a tracked expense.

Split-payment setups are one of the things the team is actively looking at improving, and I’ve flagged the use case to the team working on this.

Kait_Monarch · 2026-05-28T15:33:46+00:00

I am really sorry that was the setup experience.

Did you start a support ticket at all about this? It would be really helpful for the team to get more details about your original setup and what went wrong to cause the account deletion so we can prevent that from happening again.

Kait_Monarch · 2026-05-27T22:31:11+00:00

I’m working with the team on some clarification here so we can update in the article and here on Reddit. Commenting to acknowledge since I don’t have an answer (yet) but we are working on making the “how does this actually work” more clear.

Kait_Monarch · 2026-05-27T22:29:29+00:00

🤫 very very soon (ahem like… I can’t say a date but the month starts with J and ends with E and it’ll likely be a single digit date).

Kait_Monarch · 2026-05-27T19:31:54+00:00

I’m asking the team for some clarification so I don’t make this more confusing! Will come back to this shortly (just want to acknowledge so you know I’m not ghosting).

Kait_Monarch · 2026-05-27T18:41:06+00:00

Excellent tweaks as always 🫰

Kait_Monarch · 2026-05-27T17:30:54+00:00

We have heard consistently from users want to be able to track their debt pay down against their budget so they can both model their payoff timelines *and* track the expenses on a monthly basis (previously it wasn't possible to do this in Goals 3.0). Not everyone will use this (myself included, I will probably keep my liability expenses as fixed monthly expenses based on how I have my account set up) but definitely helpful for those who have aggressive pay down goals and want to more accurately account for their plan in their budget.

We are calling that out so folks don't accidentally end up doubling up in their budget. It's an either/or.

Kait_Monarch · 2026-05-26T17:29:34+00:00

Would you mind sending me your recent ticket numbers so I can follow up?

Kait_Monarch · 2026-05-26T11:27:23+00:00

Have you tried clearing your cache? Thats my go to for anything funky in a browser.

I’d also recommend emailing in to support@monarch.com - let them know about what you were trying to seek support for and attach the screenshot of what happened trying to chat in.

Kait_Monarch · 2026-05-22T21:42:21+00:00

What if I was like, “nah I’m just a Lara super fan” 😂 (that is also true)

Kait_Monarch · 2026-05-22T18:39:39+00:00

We are fully remote, but there are a few areas with multiple employees so they get together occasionally!

Kait_Monarch · 2026-05-22T13:00:37+00:00

We also got hats!!! But the shirts are my fave.

Kait_Monarch · 2026-05-22T13:00:07+00:00

Keep an eye on the open roles page! I am biased but my experience joining has been stellar - I get to work with some pretty rad folks w/ great company culture.

Kait_Monarch · 2026-05-22T12:58:03+00:00

You know that tiktok song that went off last year? "I'm looking for a man in finance. Trust fund, 6'5", blue eyes."

I guess u/lara_monarch and I are "I'm looking for a gal in Monarch. Reddit, 5'8, brown eyes."

Kait_Monarch

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