diff --git a/frontend/src/views/investments/InvestmentsView.vue b/frontend/src/views/investments/InvestmentsView.vue
index c9fb05a..e0bb257 100644
--- a/frontend/src/views/investments/InvestmentsView.vue
+++ b/frontend/src/views/investments/InvestmentsView.vue
@@ -29,90 +29,103 @@
       <v-progress-linear v-if="loading" indeterminate color="primary" class="mb-4" />
 
       <template v-if="performance && !loading">
-        <!-- Portfolio Summary -->
-        <v-row class="mb-4">
-          <v-col cols="12" sm="6" md="3">
-            <v-card variant="tonal">
-              <v-card-text class="text-center">
-                <div class="text-caption">Market Value</div>
-                <div class="text-h6">{{ formatCurrency(performance.totalMarketValue) }}</div>
-              </v-card-text>
-            </v-card>
-          </v-col>
-          <v-col cols="12" sm="6" md="3">
-            <v-card variant="tonal">
-              <v-card-text class="text-center">
-                <div class="text-caption">Cost Basis</div>
-                <div class="text-h6">{{ formatCurrency(performance.totalCostBasis) }}</div>
-              </v-card-text>
-            </v-card>
-          </v-col>
-          <v-col cols="12" sm="6" md="3">
-            <v-card variant="tonal" :color="performance.totalGainLoss >= 0 ? 'success' : 'error'">
-              <v-card-text class="text-center">
-                <div class="text-caption">Total Gain/Loss</div>
-                <div class="text-h6">{{ formatCurrency(performance.totalGainLoss) }}</div>
-              </v-card-text>
-            </v-card>
-          </v-col>
-          <v-col cols="12" sm="6" md="3">
-            <v-card variant="tonal" :color="performance.totalGainLossPercent >= 0 ? 'success' : 'error'">
-              <v-card-text class="text-center">
-                <div class="text-caption">Return</div>
-                <div class="text-h6">{{ formatPercent(performance.totalGainLossPercent) }}</div>
-              </v-card-text>
-            </v-card>
-          </v-col>
-        </v-row>
+        <!-- No holdings: show account balance + prompt -->
+        <template v-if="performance.holdings.length === 0">
+          <v-card class="text-center pa-8">
+            <div class="text-h4 mb-2" :class="selectedAccountBalance >= 0 ? 'text-success' : 'text-error'">
+              {{ formatCurrency(selectedAccountBalance) }}
+            </div>
+            <div class="text-caption text-medium-emphasis mb-6">Account Balance</div>
+            <v-icon size="48" color="grey-lighten-1" class="mb-4">mdi-chart-pie</v-icon>
+            <p class="text-medium-emphasis">No individual holdings tracked for this account.</p>
+            <p class="text-medium-emphasis text-caption">Add holdings to see allocation, cost basis, and performance.</p>
+          </v-card>
+        </template>
 
-        <!-- Allocation Chart + Holdings Table -->
-        <v-row>
-          <v-col v-if="performance.holdings.length > 0" cols="12" md="4">
-            <v-card>
-              <v-card-title>Allocation</v-card-title>
-              <v-card-text>
-                <apexchart
-                  type="donut"
-                  height="300"
-                  :options="allocationChartOptions"
-                  :series="allocationChartSeries"
-                />
-              </v-card-text>
-            </v-card>
-          </v-col>
-          <v-col cols="12" :md="performance.holdings.length > 0 ? 8 : 12">
-            <v-card>
-              <v-card-title>Holdings</v-card-title>
-              <v-card-text v-if="performance.holdings.length > 0">
-                <v-data-table
-                  :headers="holdingsHeaders"
-                  :items="performance.holdings"
-                  density="compact"
-                  :items-per-page="-1"
-                  hide-default-footer
-                >
-                  <template #item.shares="{ item }">{{ item.shares.toFixed(4) }}</template>
-                  <template #item.costBasis="{ item }">{{ formatCurrency(item.costBasis) }}</template>
-                  <template #item.currentPrice="{ item }">{{ formatCurrency(item.currentPrice) }}</template>
-                  <template #item.marketValue="{ item }">{{ formatCurrency(item.marketValue) }}</template>
-                  <template #item.gainLoss="{ item }">
-                    <span :class="item.gainLoss >= 0 ? 'text-success' : 'text-error'">
-                      {{ formatCurrency(item.gainLoss) }}
-                    </span>
-                  </template>
-                  <template #item.gainLossPercent="{ item }">
-                    <span :class="item.gainLossPercent >= 0 ? 'text-success' : 'text-error'">
-                      {{ formatPercent(item.gainLossPercent) }}
-                    </span>
-                  </template>
-                </v-data-table>
-              </v-card-text>
-              <v-card-text v-else class="text-center pa-8 text-medium-emphasis">
-                No holdings found for this account. Add investment holdings to track your portfolio.
-              </v-card-text>
-            </v-card>
-          </v-col>
-        </v-row>
+        <!-- Has holdings: show full portfolio view -->
+        <template v-else>
+          <!-- Portfolio Summary -->
+          <v-row class="mb-4">
+            <v-col cols="12" sm="6" md="3">
+              <v-card variant="tonal">
+                <v-card-text class="text-center">
+                  <div class="text-caption">Market Value</div>
+                  <div class="text-h6">{{ formatCurrency(performance.totalMarketValue) }}</div>
+                </v-card-text>
+              </v-card>
+            </v-col>
+            <v-col cols="12" sm="6" md="3">
+              <v-card variant="tonal">
+                <v-card-text class="text-center">
+                  <div class="text-caption">Cost Basis</div>
+                  <div class="text-h6">{{ formatCurrency(performance.totalCostBasis) }}</div>
+                </v-card-text>
+              </v-card>
+            </v-col>
+            <v-col cols="12" sm="6" md="3">
+              <v-card variant="tonal" :color="performance.totalGainLoss >= 0 ? 'success' : 'error'">
+                <v-card-text class="text-center">
+                  <div class="text-caption">Total Gain/Loss</div>
+                  <div class="text-h6">{{ formatCurrency(performance.totalGainLoss) }}</div>
+                </v-card-text>
+              </v-card>
+            </v-col>
+            <v-col cols="12" sm="6" md="3">
+              <v-card variant="tonal" :color="performance.totalGainLossPercent >= 0 ? 'success' : 'error'">
+                <v-card-text class="text-center">
+                  <div class="text-caption">Return</div>
+                  <div class="text-h6">{{ formatPercent(performance.totalGainLossPercent) }}</div>
+                </v-card-text>
+              </v-card>
+            </v-col>
+          </v-row>
+
+          <!-- Allocation Chart + Holdings Table -->
+          <v-row>
+            <v-col cols="12" md="4">
+              <v-card>
+                <v-card-title>Allocation</v-card-title>
+                <v-card-text>
+                  <apexchart
+                    type="donut"
+                    height="300"
+                    :options="allocationChartOptions"
+                    :series="allocationChartSeries"
+                  />
+                </v-card-text>
+              </v-card>
+            </v-col>
+            <v-col cols="12" md="8">
+              <v-card>
+                <v-card-title>Holdings</v-card-title>
+                <v-card-text>
+                  <v-data-table
+                    :headers="holdingsHeaders"
+                    :items="performance.holdings"
+                    density="compact"
+                    :items-per-page="-1"
+                    hide-default-footer
+                  >
+                    <template #item.shares="{ item }">{{ item.shares.toFixed(4) }}</template>
+                    <template #item.costBasis="{ item }">{{ formatCurrency(item.costBasis) }}</template>
+                    <template #item.currentPrice="{ item }">{{ formatCurrency(item.currentPrice) }}</template>
+                    <template #item.marketValue="{ item }">{{ formatCurrency(item.marketValue) }}</template>
+                    <template #item.gainLoss="{ item }">
+                      <span :class="item.gainLoss >= 0 ? 'text-success' : 'text-error'">
+                        {{ formatCurrency(item.gainLoss) }}
+                      </span>
+                    </template>
+                    <template #item.gainLossPercent="{ item }">
+                      <span :class="item.gainLossPercent >= 0 ? 'text-success' : 'text-error'">
+                        {{ formatPercent(item.gainLossPercent) }}
+                      </span>
+                    </template>
+                  </v-data-table>
+                </v-card-text>
+              </v-card>
+            </v-col>
+          </v-row>
+        </template>
       </template>
 
       <v-card v-if="!loading && !performance && selectedAccountId" class="text-center pa-8">
@@ -158,6 +171,11 @@ const investmentAccounts = computed(() =>
     }))
 )
 
+const selectedAccountBalance = computed(() => {
+  const acct = investmentAccounts.value.find(a => a.id === selectedAccountId.value)
+  return acct?.balance ?? 0
+})
+
 // --- Allocation Chart ---
 const allocationChartSeries = computed(() =>
   performance.value?.holdings.map(h => h.marketValue) ?? []
diff --git a/src/Purrse.Api/Services/BankSyncService.cs b/src/Purrse.Api/Services/BankSyncService.cs
index a32455f..f212454 100644
--- a/src/Purrse.Api/Services/BankSyncService.cs
+++ b/src/Purrse.Api/Services/BankSyncService.cs
@@ -424,12 +424,15 @@ public class BankSyncService : IBankSyncService
 
         // For SimpleFIN, use the earliest start date across all accounts so the
         // single API call (cached) returns transactions covering every account.
+        // Subtract a 7-day overlap buffer because banks may post transactions with
+        // dates earlier than when they appear in the SimpleFIN feed. Duplicate
+        // detection (FitId + fingerprint) ensures re-fetched transactions are skipped.
         var endDate = DateTime.UtcNow;
         DateTime? simpleFinStartDate = null;
         if (connection.Provider == SyncProvider.SimpleFIN)
         {
             simpleFinStartDate = enabledAccounts
-                .Select(la => la.LastSyncAt ?? endDate.AddDays(-90))
+                .Select(la => la.LastSyncAt?.AddDays(-7) ?? endDate.AddDays(-90))
                 .Min();
         }
 
@@ -447,7 +450,7 @@ public class BankSyncService : IBankSyncService
 
             try
             {
-                var startDate = simpleFinStartDate ?? linkedAccount.LastSyncAt ?? endDate.AddDays(-90);
+                var startDate = simpleFinStartDate ?? linkedAccount.LastSyncAt?.AddDays(-7) ?? endDate.AddDays(-90);
 
                 var provider = connection.Provider == SyncProvider.Plaid
                     ? (Purrse.Plugins.Abstractions.IAccountSyncProvider)_plaid