diff --git a/client/components/BillModal.jsx b/client/components/BillModal.jsx
index 862f96f..4ad26ef 100644
--- a/client/components/BillModal.jsx
+++ b/client/components/BillModal.jsx
@@ -1155,7 +1155,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
                           )}
                         </div>
                         <p className="mt-0.5 truncate text-xs text-muted-foreground">
-                          {fmtDate(payment.paid_date)} · {payment.method || 'manual'}
+                          {fmtDate(payment.paid_date)} · {payment.method || (payment.payment_source === 'transaction_match' ? 'Synced' : 'manual')}
                         </p>
                         {payment.notes && (
                           <p className="mt-0.5 truncate text-xs text-muted-foreground/80">{payment.notes}</p>
diff --git a/client/components/tracker/OverdueCommandCenter.jsx b/client/components/tracker/OverdueCommandCenter.jsx
index bdcce75..0f850e3 100644
--- a/client/components/tracker/OverdueCommandCenter.jsx
+++ b/client/components/tracker/OverdueCommandCenter.jsx
@@ -157,7 +157,7 @@ export default function OverdueCommandCenter({ rows, year, month, refresh, onPay
     r.snoozed_until && r.snoozed_until > todayStr
   );
 
-  if (overdueRows.length === 0 && snoozedRows.length === 0) return null;
+  if (overdueRows.length === 0) return null;
 
   const totalOverdue = overdueRows.reduce((sum, r) => {
     const threshold = r.actual_amount ?? r.expected_amount;
@@ -203,24 +203,18 @@ export default function OverdueCommandCenter({ rows, year, month, refresh, onPay
 
         {/* Bill rows */}
         <CollapsibleContent>
-          {overdueRows.length > 0 ? (
-            <div className="divide-y divide-border/40 px-4 pb-2">
-              {overdueRows.map(row => (
-                <OverdueRow
-                  key={row.id}
-                  row={row}
-                  year={year}
-                  month={month}
-                  onPayNow={onPayNow}
-                  onRefresh={refresh}
-                />
-              ))}
-            </div>
-          ) : (
-            <p className="px-4 pb-3 text-xs text-muted-foreground">
-              All overdue bills are snoozed.
-            </p>
-          )}
+          <div className="divide-y divide-border/40 px-4 pb-2">
+            {overdueRows.map(row => (
+              <OverdueRow
+                key={row.id}
+                row={row}
+                year={year}
+                month={month}
+                onPayNow={onPayNow}
+                onRefresh={refresh}
+              />
+            ))}
+          </div>
         </CollapsibleContent>
       </div>
     </Collapsible>
diff --git a/client/components/tracker/TrackerRow.jsx b/client/components/tracker/TrackerRow.jsx
index 8cecf61..78d6279 100644
--- a/client/components/tracker/TrackerRow.jsx
+++ b/client/components/tracker/TrackerRow.jsx
@@ -595,22 +595,30 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
         {showColumn('status') && (
           <TableCell className="w-[9%] py-2.5">
             <div className="flex flex-col items-center gap-1">
-              <StatusBadge
-                status={effectiveStatus}
-                clickable
-                onClick={() => {
-                  if (effectiveStatus === 'skipped') return;
-                  handleTogglePaid();
-                }}
-                loading={loading}
-              />
-              {row.pending_cleared && (
+              {row.bank_pending_count > 0 ? (
+                <span
+                  className="inline-flex items-center rounded-full border border-emerald-400/40 bg-emerald-500/10 px-1.5 py-0.5 text-[9px] font-semibold uppercase tracking-wide text-emerald-600 dark:text-emerald-400"
+                  title={`Bank has ${row.bank_pending_count} pending charge${row.bank_pending_count > 1 ? 's' : ''} matching this bill`}
+                >
+                  Pending
+                </span>
+              ) : row.pending_cleared ? (
                 <span
                   className="inline-flex items-center rounded-full border border-amber-400/40 bg-amber-500/10 px-1.5 py-0.5 text-[9px] font-semibold uppercase tracking-wide text-amber-600 dark:text-amber-400"
                   title="Paid in tracker but may not have cleared your bank account yet"
                 >
                   Pending
                 </span>
+              ) : (
+                <StatusBadge
+                  status={effectiveStatus}
+                  clickable
+                  onClick={() => {
+                    if (effectiveStatus === 'skipped') return;
+                    handleTogglePaid();
+                  }}
+                  loading={loading}
+                />
               )}
             </div>
           </TableCell>
diff --git a/services/trackerService.js b/services/trackerService.js
index ba98fed..41d230b 100644
--- a/services/trackerService.js
+++ b/services/trackerService.js
@@ -6,9 +6,62 @@ const { getUserSettings } = require('./userSettings');
 const { computeBalanceDelta, applyBalanceDelta } = require('./billsService');
 const { computeAmountSuggestion } = require('./amountSuggestionService');
 const { accountingActiveSql } = require('./paymentAccountingService');
+const { normalizeMerchant } = require('./subscriptionService');
 
 const DEFAULT_PENDING_DAYS = 3;
 
+// Word-boundary match — same semantics as billMerchantRuleService.merchantMatches.
+function txMerchantMatches(txNorm, ruleMerchant) {
+  if (!txNorm || !ruleMerchant) return false;
+  if (txNorm === ruleMerchant) return true;
+  const esc = s => s.replace(/[.*+?^${}()|[\]\\]/g, '\\$&');
+  const wb = s => new RegExp(`(^|\\s)${esc(s)}(\\s|$)`);
+  return wb(ruleMerchant).test(txNorm) || wb(txNorm).test(ruleMerchant);
+}
+
+// For bills that have merchant rules, count how many of that user's pending bank
+// transactions match each bill. Only bills with at least one rule are checked.
+function fetchBankPendingCounts(db, userId, billIds) {
+  if (billIds.length === 0) return {};
+  const ph = billIds.map(() => '?').join(',');
+  const rules = db.prepare(`
+    SELECT bill_id, merchant
+    FROM bill_merchant_rules
+    WHERE user_id = ? AND bill_id IN (${ph})
+  `).all(userId, ...billIds);
+  if (rules.length === 0) return {};
+
+  const pendingTxs = db.prepare(`
+    SELECT t.payee, t.description, t.memo
+    FROM transactions t
+    LEFT JOIN financial_accounts fa ON fa.id = t.account_id
+    WHERE t.user_id = ?
+      AND t.pending = 1
+      AND t.amount < 0
+      AND t.ignored = 0
+      AND (t.account_id IS NULL OR fa.id IS NULL OR fa.monitored = 1)
+  `).all(userId);
+  if (pendingTxs.length === 0) return {};
+
+  const rulesByBill = {};
+  for (const rule of rules) {
+    if (!rulesByBill[rule.bill_id]) rulesByBill[rule.bill_id] = [];
+    rulesByBill[rule.bill_id].push(rule.merchant);
+  }
+
+  const counts = {};
+  for (const tx of pendingTxs) {
+    const txNorm = normalizeMerchant(tx.payee || tx.description || tx.memo || '');
+    if (!txNorm) continue;
+    for (const [billId, merchants] of Object.entries(rulesByBill)) {
+      if (merchants.some(m => txMerchantMatches(txNorm, m))) {
+        counts[billId] = (counts[billId] || 0) + 1;
+      }
+    }
+  }
+  return counts;
+}
+
 function buildBankTracking(db, userId, year, month) {
   try {
   const settings = getUserSettings(userId);
@@ -432,6 +485,7 @@ function getTracker(userId, query = {}, now = new Date()) {
   const periodLabel = activeRemainingPeriod === '1st' ? '1st balance' : '15th balance';
 
   const bankTracking = buildBankTracking(db, userId, year, month);
+  const bankPendingCounts = bankTracking.enabled ? fetchBankPendingCounts(db, userId, billIds) : {};
   const totalStarting = bankTracking.enabled
     ? bankTracking.effective_balance
     : (startingAmounts?.combined_amount || 0);
@@ -517,15 +571,17 @@ function getTracker(userId, query = {}, now = new Date()) {
     cashflow,
     rows: bankTracking.enabled
       ? rows.map(r => {
+          const bank_pending_count = bankPendingCounts[r.id] || 0;
           // Only flag manually-entered payments as pending-cleared — bank-synced
-          // payments are already in the balance so they don't need the badge.
-          if (r.status === 'paid' && r.last_paid_date && r.payment_source !== 'provider_sync') {
+          // or bank-matched payments are already settled so they don't need the badge.
+          const isManualPayment = r.payment_source !== 'provider_sync' && r.payment_source !== 'transaction_match';
+          if (r.status === 'paid' && r.last_paid_date && isManualPayment) {
             const cutoff = new Date();
             cutoff.setDate(cutoff.getDate() - bankTracking.pending_days);
             const paidAt = new Date(r.last_paid_date);
-            return { ...r, pending_cleared: paidAt >= cutoff };
+            return { ...r, pending_cleared: paidAt >= cutoff, bank_pending_count };
           }
-          return { ...r, pending_cleared: false };
+          return { ...r, pending_cleared: false, bank_pending_count };
         })
       : rows,
   };