diff --git a/app/models/concerns/syncable.rb b/app/models/concerns/syncable.rb
index 92b0a3965..9c16538a5 100644
--- a/app/models/concerns/syncable.rb
+++ b/app/models/concerns/syncable.rb
@@ -56,7 +56,7 @@ module Syncable
   end
 
   def last_synced_at
-    latest_sync&.completed_at
+    latest_completed_sync&.completed_at
   end
 
   def last_sync_created_at
@@ -68,6 +68,10 @@ module Syncable
       syncs.ordered.first
     end
 
+    def latest_completed_sync
+      syncs.completed.ordered.first
+    end
+
     def syncer
       self.class::Syncer.new(self)
     end
diff --git a/app/models/enable_banking_item/importer.rb b/app/models/enable_banking_item/importer.rb
index d1cc510a6..60b1e4d04 100644
--- a/app/models/enable_banking_item/importer.rb
+++ b/app/models/enable_banking_item/importer.rb
@@ -241,7 +241,7 @@ class EnableBankingItem::Importer
         if enable_banking_item.last_synced_at
           enable_banking_item.last_synced_at.to_date - 7.days
         else
-          user_start_date || 90.days.ago.to_date
+          30.days.ago.to_date
         end
       else
         # Initial sync: use user's configured date or default to 3 months