"Mint" thinks that I hold two accounts with a bank, when in fact I have just changed the name of the single account I hold. Why did it show one, renamed, account as two?

I used the Bank of America's online banking site to change the name of my current account from the default - "eBanking" - to the more helpful (for me, at least!) "Current Account". But Mint then showed two accounts with Bank of America, one called "eBanking", and with the balance fixed at the amount it had been when I changed the name, and the other correctly called "Current Account", and with a balance that was accurate.

Why couldn't Mint recognize that the two accounts were, in fact, one and the same? The account number hadn't changed, so it should have been clear that only the account name was different. It has now offered me the opportunity to mark the phantom account as closed, but that misses the point, rather! And I am told that I can't just delete one account without deleting everything to do with the Bank of America, which seems arbitrary.

I don't feel that the mistake should have happened in the first place, but given that it has, shouldn't I have been able to correct it?

Answer

Even though you know that the account number didn't change, Mint doesn't and really has no way of identifying that it isn't really a new account for you at BofA.  If you look at BofA, the full account number isn't actually visible.  The best that you'll be able to do is to mark the old name as "Closed".  You can then also "Hide" it if you want to reduce the number of accounts showing in the "Transactions" view.

You wouldn't want to delete one account in your situation because all your old transactions are under the "eBanking" account, and all your new transactions will now be collected under "Current Account".  If you don't really care about all your old transactions and the effect upon your historical numbers, you could delete and re-add BofA.  This will give you the clean single account at the expense of all the lost transaction history.

The reason they don't let you "delete" a sub-account is because of other situations.  If you had a business sub-account and a personal sub-account and you "deleted" the business sub-account, it would continue to get re-added each time it checked BofA, so instead they only allow you to "close" an account and "hide" it.

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