To use Copilot, you need to link at least one bank account. The app uses your existing transactions in order to:
Suggest spending categories that make sense for you
Suggest budgets based on your spending patterns
Identify and track your income transactions
Automatically detect your recurring payments
The app needs to receive the historical transaction data from your financial institutions before it can proceed. This process typically takes less than a few minutes, but sometimes we might need to wait a few hours.
If you are encountering an extended delay in receiving the historic data, please contact the Copilot team via the in-app chat for support.
Historical Transaction Limitations
Most institutions provide one to two years of data; however, some provide less historical data.
Capital One will provide up to 3 months of transaction data at account connection.
Investment Account Historical Data
For investment accounts, you will start receiving data from the point of account connection, and we will continue to collect data over time to provide performance data. At this time, we are not able to backfill historical investment data or provide transaction data for investment accounts. Check out our Investment Account Limitations article to learn more.
Completing Onboarding
After your historical transactions have finished importing into Copilot then you can complete the rest of the onboarding process. Feel free to review the Quick Start Guide for some helpful tips and tricks.
👋 Still have questions? Contact us via the in-app chat.