diff --git a/src/Purrse.Api/Services/BankSyncService.cs b/src/Purrse.Api/Services/BankSyncService.cs
index 0dc3469..6b5f590 100644
--- a/src/Purrse.Api/Services/BankSyncService.cs
+++ b/src/Purrse.Api/Services/BankSyncService.cs
@@ -191,34 +191,72 @@ public class BankSyncService : IBankSyncService
         var accounts = await _simpleFin.GetAccountsAsync(config);
         var encryptedAccessUrl = _encryption.Encrypt(accessUrl);
 
+        // Load existing SimpleFIN connections for this user to avoid duplicates on re-connect
+        var existingConnections = await _db.SyncConnections
+            .Include(c => c.LinkedAccounts)
+            .Where(c => c.UserId == userId && c.Provider == SyncProvider.SimpleFIN)
+            .ToListAsync();
+
         var groupedByInstitution = accounts.GroupBy(a => a.Institution ?? "SimpleFIN Connection");
         var connectionIds = new List<Guid>();
 
         foreach (var group in groupedByInstitution)
         {
-            var connection = new SyncConnection
-            {
-                Id = Guid.NewGuid(),
-                UserId = userId,
-                Provider = SyncProvider.SimpleFIN,
-                InstitutionName = group.Key,
-                EncryptedAccessToken = encryptedAccessUrl
-            };
+            // Check if a connection already exists for this institution
+            var existing = existingConnections.FirstOrDefault(c =>
+                c.InstitutionName == group.Key);
 
-            _db.SyncConnections.Add(connection);
-            connectionIds.Add(connection.Id);
-
-            foreach (var account in group)
+            if (existing != null)
             {
-                _db.LinkedAccounts.Add(new LinkedAccount
+                // Update the existing connection with the new access token
+                existing.EncryptedAccessToken = encryptedAccessUrl;
+                existing.IsActive = true;
+                existing.UpdatedAt = DateTime.UtcNow;
+                connectionIds.Add(existing.Id);
+
+                // Add any new linked accounts not already tracked
+                foreach (var account in group)
+                {
+                    if (!existing.LinkedAccounts.Any(la => la.ExternalAccountId == account.ExternalId))
+                    {
+                        _db.LinkedAccounts.Add(new LinkedAccount
+                        {
+                            Id = Guid.NewGuid(),
+                            SyncConnectionId = existing.Id,
+                            ExternalAccountId = account.ExternalId,
+                            ExternalAccountName = account.Name,
+                            ExternalAccountType = account.AccountType,
+                            LastKnownBalance = account.Balance
+                        });
+                    }
+                }
+            }
+            else
+            {
+                var connection = new SyncConnection
                 {
                     Id = Guid.NewGuid(),
-                    SyncConnectionId = connection.Id,
-                    ExternalAccountId = account.ExternalId,
-                    ExternalAccountName = account.Name,
-                    ExternalAccountType = account.AccountType,
-                    LastKnownBalance = account.Balance
-                });
+                    UserId = userId,
+                    Provider = SyncProvider.SimpleFIN,
+                    InstitutionName = group.Key,
+                    EncryptedAccessToken = encryptedAccessUrl
+                };
+
+                _db.SyncConnections.Add(connection);
+                connectionIds.Add(connection.Id);
+
+                foreach (var account in group)
+                {
+                    _db.LinkedAccounts.Add(new LinkedAccount
+                    {
+                        Id = Guid.NewGuid(),
+                        SyncConnectionId = connection.Id,
+                        ExternalAccountId = account.ExternalId,
+                        ExternalAccountName = account.Name,
+                        ExternalAccountType = account.AccountType,
+                        LastKnownBalance = account.Balance
+                    });
+                }
             }
         }