diff --git a/HISTORY.md b/HISTORY.md
index 36189c5..28f1c76 100644
--- a/HISTORY.md
+++ b/HISTORY.md
@@ -3,7 +3,7 @@
 
 ### 🐛 QA Fixes
 
-- **[Summary/Analytics] Non-monthly bills were counted in every month** — the Summary expense list/total and the Analytics "expected vs actual" line both counted annual (and off-month quarterly) bills for months they weren't due, over-stating the obligation and disagreeing with the Tracker (e.g. a yearly insurance bill inflated every month). Both `routes/summary.js` and `services/analyticsService.js` now gate bills by `resolveDueDate` — the same occurrence check the Tracker uses. Guarded by Tracker↔Summary and Tracker↔Analytics reconciliation checks in `e2e/api.probe.spec.js`. Residual tracked as **QA-B5-02**: the SimpleFIN bank-tracking `unpaid_this_month` metric uses a SQL query that needs the same filter. (was QA-B5-01, QA-B5-03)
+- **[Summary/Analytics] Non-monthly bills were counted in every month** — the Summary expense list/total and the Analytics "expected vs actual" line both counted annual (and off-month quarterly) bills for months they weren't due, over-stating the obligation and disagreeing with the Tracker (e.g. a yearly insurance bill inflated every month). Both `routes/summary.js` and `services/analyticsService.js` now gate bills by `resolveDueDate` — the same occurrence check the Tracker uses. Guarded by Tracker↔Summary and Tracker↔Analytics reconciliation checks in `e2e/api.probe.spec.js`. The SimpleFIN bank-tracking `unpaid_this_month` metric had the same gap and is fixed the same way (fetch + JS `resolveDueDate` filter, since SQL can't call it), covered by `tests/summaryBankTracking.test.js`. (was QA-B5-01, QA-B5-02, QA-B5-03)
 - **[Data] Seed Demo Data amounts were 100× too small** — `scripts/seedDemoData.js` inserted demo dollar amounts straight into `bills.expected_amount` / `current_balance` / `minimum_payment`, which became integer-cents columns in the v1.03 migration, so a seeded "$85" bill showed as $0.85 (a whole demo month totalled ~$32 instead of ~$3,200). Now wraps demo values in `toCents()` before insert. Regression guard added in `e2e/api.probe.spec.js`. (was QA-B9-01)
 - **[Bills] `expected_amount` was unvalidated** — POST/PUT `/api/bills` accepted negative amounts, non-numeric input (silently coerced to $0), and absurd values (`1e15` → cents past `Number.MAX_SAFE_INTEGER`). `validateBillData` (`services/billsService.js`) now rejects non-numeric / negative / out-of-range with a structured `VALIDATION_ERROR`, accepting `0`…`$100,000,000`. Regression assertions in `e2e/api.probe.spec.js`. (was QA-B13-01)
 - **[UI] Negative amounts rendered as "$-50.00"** — client `fmt()` (`client/lib/utils.js`) and server `formatUSD()` (`utils/money.js`) placed the minus sign after the currency symbol; now render the conventional "-$50.00". Test added in `client/lib/utils.test.js`. (was QA-B6-01)
diff --git a/docs/QA_PLAN.md b/docs/QA_PLAN.md
index 612d317..95a05d7 100644
--- a/docs/QA_PLAN.md
+++ b/docs/QA_PLAN.md
@@ -92,7 +92,7 @@ before cross-cutting; regression last). Update **Status** and **Findings** every
 | B2 | Tracker (core) | `/` buckets, pay/skip/notes/overrides, balance cards, overdue, ledger, drift | seeded + adversarial | ⬜ | 0 / 0 |
 | B3 | Bills & schedules | `/bills` CRUD, custom schedules, reorder, merchant rules, historical import | adversarial | ⬜ | 0 / 0 |
 | B4 | Subscriptions & Categories | `/subscriptions`, catalog, `/categories`, groups, reorder | seeded | ⬜ | 0 / 0 |
-| B5 | Reporting reconciliation | `/summary`, `/calendar`, `/analytics`, `/health` cross-check totals | seeded + large | 🔄 | 1 / 1 |
+| B5 | Reporting reconciliation | `/summary`, `/calendar`, `/analytics`, `/health` cross-check totals | seeded + large | 🔄 | 0 / 3 |
 | B6 | Spending | `/spending` YNAB view, averages, cover-overspending, safe-to-spend | seeded + edge months | 🔄 | 0 / 1 |
 | B7 | Debt planning (math) | `/snowball`, `/payoff` APR/amortization vs hand-calc | edge (APR=0, $0 debt) | 🔄 | 0 / 2 |
 | B8 | Banking & bank sync | `/bank-transactions`, SimpleFIN sync, matching, merchant/store, advisory filter | seeded txns | ⬜ | 0 / 0 |
@@ -115,7 +115,7 @@ until you get a clean cycle.
 
 | Cycle | Started | Build / commit | Findings logged | Fixed / archived | Result |
 |-------|---------|----------------|-----------------|------------------|--------|
-| 1 | 2026-07-02 | `bdbf231`→`a15ff05`+ (dev) | 12 | **11 fixed & archived** (B9-01, B13-01, B6-01, B7-01, B7-02, B14-01/02/03, B0-01, **B5-01, B5-03**) | 🔁 re-run required. Post seed-fix reconciliation caught the **occurrence-gating family**: Summary (B5-01, S2) and Analytics (B5-03, S3) counted annual/off-month-quarterly bills every month → both fixed via `resolveDueDate`; Tracker↔Summary and Tracker↔Analytics now reconcile (guarded in the probe). Open: **1** (QA-B5-02, S3 — SimpleFIN bank-tracking `unpaid` SQL residual, needs SimpleFIN env). Probed B0/B1/B3/B4/B5/B6/B7/B8/B9/B13/B14; solid: auth/isolation, CSRF, payment/date validation, recurrence, matching/dedup, subscription+spending math, XSS. |
+| 1 | 2026-07-02 | `bdbf231`→(dev) | 12 | **12 → all fixed, verified & archived** (B9-01, B13-01, B6-01, B7-01/02, B14-01/02/03, B0-01, B5-01/02/03) | ✅ **0 open.** Post seed-fix reconciliation caught the **occurrence-gating family** — Summary (S2), Analytics, and SimpleFIN bank-tracking all counted non-monthly bills every month; all fixed via `resolveDueDate` and guarded (probe reconciliation + `tests/summaryBankTracking.test.js`). Probed B0/B1/B3/B4/B5/B6/B7/B8/B9/B13/B14; solid: auth/isolation, CSRF, payment/date validation, recurrence, matching/dedup, subscription+spending math, XSS, calendar gating. **A full re-run (B0→B15) is still required to declare the cycle clean per exit criteria.** |
 
 **Result key:** 🔄 in progress · 🔁 findings fixed, re-run required · ✅ clean (zero findings — QA complete)
 
@@ -134,7 +134,7 @@ fixing. Keep only **Open / Fixing / Fixed** rows here. Once a finding is
 
 | ID | Sev | Area (`file:line`) | Summary | Status | Notes / repro |
 |----|-----|--------------------|---------|--------|---------------|
-| QA-B5-02 | S3 | `routes/summary.js:53` (`buildBankTracking`) | SimpleFIN `unpaid_this_month` SQL sums all active bills (no occurrence gate) — same root as QA-B5-01, secondary/SimpleFIN-only path | 🔴 Open | needs SimpleFIN test env to verify a fix |
+| _(none — all Cycle 1 findings fixed, verified & archived to `HISTORY.md` v0.41.0)_ | | | | | |
 
 **Finding template** (paste a new row above; keep the full write-up here until archived):
 
diff --git a/routes/summary.js b/routes/summary.js
index 6ada2c2..1d735b1 100644
--- a/routes/summary.js
+++ b/routes/summary.js
@@ -48,15 +48,16 @@ function buildBankTrackingSummary(db, userId, year, month) {
       `).get(userId, effectivePendingDays)
     : { pending_total: 0 };
 
-  // Unpaid bills remaining this month (not skipped, not yet paid)
+  // Unpaid bills remaining this month (not skipped, not yet paid), occurrence-gated
+  // in JS so annual / off-month quarterly bills don't inflate the total (QA-B5-02,
+  // same root as QA-B5-01 — SQL can't call resolveDueDate).
   const { start, end } = getCycleRange(year, month);
-  const unpaidRow = db.prepare(`
-    SELECT COALESCE(SUM(
+  const unpaidCandidates = db.prepare(`
+    SELECT b.due_day, b.billing_cycle, b.cycle_type, b.cycle_day,
       CASE
         WHEN m.actual_amount IS NOT NULL THEN m.actual_amount
         ELSE COALESCE(b.expected_amount, 0)
-      END
-    ), 0) AS unpaid_total
+      END AS amount_cents
     FROM bills b
     LEFT JOIN monthly_bill_state m ON m.bill_id = b.id AND m.year = ? AND m.month = ?
     LEFT JOIN (
@@ -72,12 +73,15 @@ function buildBankTrackingSummary(db, userId, year, month) {
       AND b.deleted_at IS NULL
       AND COALESCE(m.is_skipped, 0) = 0
       AND COALESCE(pay.paid_sum, 0) = 0
-  `).get(year, month, start, end, userId);
+  `).all(year, month, start, end, userId);
+  const unpaidTotalCents = unpaidCandidates
+    .filter(row => resolveDueDate(row, year, month))
+    .reduce((sum, row) => sum + (row.amount_cents || 0), 0);
 
   const balanceDollars   = money(account.balance / 100);
   const pendingDollars   = fromCents(pendingRow.pending_total);
   const effectiveDollars = money(balanceDollars - pendingDollars);
-  const unpaidDollars    = fromCents(unpaidRow.unpaid_total);
+  const unpaidDollars    = fromCents(unpaidTotalCents);
 
   return {
     enabled:           true,
diff --git a/tests/summaryBankTracking.test.js b/tests/summaryBankTracking.test.js
new file mode 100644
index 0000000..0978f06
--- /dev/null
+++ b/tests/summaryBankTracking.test.js
@@ -0,0 +1,69 @@
+'use strict';
+
+// QA-B5-02 regression: the SimpleFIN bank-tracking `unpaid_this_month` metric must
+// only count bills that actually occur in the requested month — annual / off-month
+// quarterly bills should not inflate it (same occurrence gate as Tracker/Summary).
+const test = require('node:test');
+const assert = require('node:assert/strict');
+const os = require('node:os');
+const path = require('node:path');
+const fs = require('node:fs');
+
+const dbPath = path.join(os.tmpdir(), `bill-tracker-summary-bt-test-${process.pid}.sqlite`);
+process.env.DB_PATH = dbPath;
+
+const { getDb, closeDb } = require('../db/database');
+
+function callSummary(userId, year, month) {
+  const router = require('../routes/summary');
+  const layer = router.stack.find(item => item.route?.path === '/' && item.route.methods.get);
+  assert.ok(layer, 'GET /api/summary route should exist');
+  const handler = layer.route.stack[0].handle;
+  return new Promise((resolve) => {
+    const req = { query: { year: String(year), month: String(month) }, user: { id: userId, role: 'user' } };
+    const res = {
+      statusCode: 200,
+      status(code) { this.statusCode = code; return this; },
+      json(data) { resolve({ status: this.statusCode, data }); },
+    };
+    handler(req, res);
+  });
+}
+
+test('bank-tracking unpaid_this_month excludes bills not due this month (QA-B5-02)', async () => {
+  const db = getDb();
+  const userId = db.prepare(
+    "INSERT INTO users (username, password_hash, role, active) VALUES ('bt-user', 'x', 'user', 1)",
+  ).run().lastInsertRowid;
+
+  const insertBill = db.prepare(`
+    INSERT INTO bills (user_id, name, due_day, billing_cycle, cycle_type, cycle_day, expected_amount, active)
+    VALUES (?, ?, ?, ?, ?, ?, ?, 1)
+  `);
+  // Due every June (query month): counts.
+  insertBill.run(userId, 'Monthly Bill', 15, 'monthly', 'monthly', null, 10000); // $100
+  // Annual, anchored to January: NOT due in June — must be excluded.
+  insertBill.run(userId, 'Annual Bill', 1, 'annually', 'annual', '1', 50000); // $500
+
+  // Enable bank tracking pointed at a financial account with a balance.
+  const acctId = db.prepare(`
+    INSERT INTO financial_accounts (user_id, name, org_name, account_type, balance, available_balance, monitored)
+    VALUES (?, 'Checking', 'Test Bank', 'checking', 200000, 200000, 1)
+  `).run(userId).lastInsertRowid;
+  const setSetting = db.prepare('INSERT INTO user_settings (user_id, key, value) VALUES (?, ?, ?)');
+  setSetting.run(userId, 'bank_tracking_enabled', 'true');
+  setSetting.run(userId, 'bank_tracking_account_id', String(acctId));
+
+  const { data } = await callSummary(userId, 2026, 6); // June 2026
+
+  assert.ok(data.bank_tracking, 'bank_tracking summary should be present when enabled');
+  // Only the $100 monthly bill is due in June; the $500 annual bill (Jan) is excluded.
+  assert.equal(data.bank_tracking.unpaid_this_month, 100);
+});
+
+test.after(() => {
+  closeDb();
+  for (const suffix of ['', '-wal', '-shm']) {
+    try { fs.rmSync(dbPath + suffix); } catch { /* ignore */ }
+  }
+});