Business Only (Default)

Every transaction from this account is automatically tagged as a business expense. No manual review needed per transaction.

Best for: Dedicated business bank accounts and business credit cards that you use exclusively for business.

Why it saves time: With Business Only, you only need to review transactions that are miscategorized — not every single transaction. The vast majority pass through as business expenses automatically.

Mixed Use

Each transaction from this account arrives untagged. Money Pro prompts you to mark each one as Business or Personal before it's counted in your reports.

Best for: Accounts where you sometimes pay personal expenses alongside business expenses.

The tradeoff: More review work. Every transaction needs a tag before it's included or excluded from your expense reports. If you have a high-transaction account set to Mixed Use, you'll have significant manual categorization to do.

Recommendation: Keep dedicated business accounts whenever possible. Mixed Use is a practical compromise, but it creates extra work.

Personal Only

All transactions are tagged as personal and excluded from your business expense reports entirely.

Best for: Personal accounts you linked for tracking purposes or expense reimbursement visibility — not for tracking business expenses.

Note: ZenBusiness doesn't recommend linking dedicated personal accounts to Money Pro at all, since Money Pro is designed for business financial tracking. If you accidentally linked a personal account, set it to Personal Only or unlink it.

What account type should I use for my main business checking account?

Business Only. If you have a dedicated business checking account that you use only for business, there's no reason to review each transaction — set it to Business Only and let Money Pro handle the tagging automatically.

I accidentally set my account to the wrong type. Can I change it?

Yes — change the account type in Banks & Integrations at any time. Changing the type affects how new incoming transactions are tagged. Previously imported transactions retain their original tags unless you manually re-tag them.

Does the account type affect my tax estimates?

Yes. Only transactions tagged as Business are included in your expense totals for tax estimation purposes. Personal-tagged transactions are excluded. If your account type is wrong, your tax estimates will be off.