diff --git a/app/controllers/enable_banking_items_controller.rb b/app/controllers/enable_banking_items_controller.rb
index 95fc35559..a61e4b478 100644
--- a/app/controllers/enable_banking_items_controller.rb
+++ b/app/controllers/enable_banking_items_controller.rb
@@ -190,9 +190,17 @@ class EnableBankingItemsController < ApplicationController
     begin
       enable_banking_item.complete_authorization(code: code)
 
+      # Fetch transaction counts for validation
+      transaction_warnings = fetch_transaction_counts(enable_banking_item)
+
       # Trigger sync to process accounts
       enable_banking_item.sync_later
 
+      if transaction_warnings.any?
+        # Store warnings in flash for display on accounts page
+        flash[:warning] = "Connected successfully, but some issues were found: #{transaction_warnings.join('; ')}"
+      end
+
       redirect_to accounts_path, notice: t(".success", default: "Successfully connected to your bank. Your accounts are being synced.")
     rescue Provider::EnableBanking::EnableBankingError => e
       Rails.logger.error "Enable Banking session creation error: #{e.message}"
@@ -419,6 +427,53 @@ class EnableBankingItemsController < ApplicationController
       )
     end
 
+    # Fetch transaction counts for all accounts in the Enable Banking item
+    # Returns an array of warning messages if any accounts have issues
+    def fetch_transaction_counts(enable_banking_item)
+      warnings = []
+
+      begin
+        provider = enable_banking_item.enable_banking_provider
+        return warnings unless provider
+
+        accounts = enable_banking_item.enable_banking_accounts
+
+        if accounts.empty?
+          warnings << "No bank accounts found after authorization."
+        else
+          # Check transaction counts for each account (last 90 days)
+          accounts.each do |enable_banking_account|
+            account_name = enable_banking_account.name || "Unknown Account"
+            account_uid = enable_banking_account.uid
+
+            begin
+              transactions_data = provider.get_account_transactions(
+                account_id: account_uid,
+                date_from: 90.days.ago,
+                date_to: Date.today
+              )
+              transactions = transactions_data[:transactions] || []
+
+              if transactions.empty?
+                warnings << "Account '#{account_name}' has 0 transactions available in the last 90 days."
+              end
+            rescue Provider::EnableBanking::EnableBankingError => e
+              Rails.logger.warn("Enable Banking transaction count check failed for account #{account_uid}: #{e.message}")
+              warnings << "Unable to fetch transactions for '#{account_name}': #{e.message}"
+            end
+          end
+        end
+      rescue Provider::EnableBanking::EnableBankingError => e
+        Rails.logger.warn("Enable Banking accounts fetch failed: #{e.message}")
+        warnings << "Unable to fetch account information: #{e.message}"
+      rescue => e
+        Rails.logger.warn("Unexpected error checking Enable Banking transactions: #{e.message}")
+        warnings << "Unable to verify transaction availability."
+      end
+
+      warnings
+    end
+
     # Generate the callback URL for Enable Banking OAuth
     # In production, uses the standard Rails route
     # In development, uses DEV_WEBHOOKS_URL if set (e.g., ngrok URL)
diff --git a/app/controllers/lunchflow_items_controller.rb b/app/controllers/lunchflow_items_controller.rb
index c16cd20ef..705bb0666 100644
--- a/app/controllers/lunchflow_items_controller.rb
+++ b/app/controllers/lunchflow_items_controller.rb
@@ -411,6 +411,9 @@ class LunchflowItemsController < ApplicationController
       # Trigger initial sync to fetch accounts
       @lunchflow_item.sync_later
 
+      # Fetch transaction counts for validation
+      @transaction_warnings = fetch_transaction_counts(@lunchflow_item)
+
       if turbo_frame_request?
         flash.now[:notice] = t(".success")
         @lunchflow_items = Current.family.lunchflow_items.ordered
@@ -418,7 +421,7 @@ class LunchflowItemsController < ApplicationController
           turbo_stream.replace(
             "lunchflow-providers-panel",
             partial: "settings/providers/lunchflow_panel",
-            locals: { lunchflow_items: @lunchflow_items }
+            locals: { lunchflow_items: @lunchflow_items, transaction_warnings: @transaction_warnings }
           ),
           *flash_notification_stream_items
         ]
@@ -737,6 +740,54 @@ class LunchflowItemsController < ApplicationController
       params.require(:lunchflow_item).permit(:name, :sync_start_date, :api_key, :base_url)
     end
 
+    # Fetch transaction counts for all accounts in the Lunchflow item
+    # Returns an array of warning messages if any accounts have issues
+    def fetch_transaction_counts(lunchflow_item)
+      warnings = []
+
+      begin
+        provider = lunchflow_item.lunchflow_provider
+        return warnings unless provider
+
+        accounts_data = provider.get_accounts
+        accounts = accounts_data[:accounts] || []
+
+        if accounts.empty?
+          warnings << "No bank accounts found. Please check your Lunch Flow configuration."
+        else
+          # Check transaction counts for each account (last 90 days)
+          accounts.each do |account_data|
+            account_name = account_data[:name] || "Unknown Account"
+            account_id = account_data[:id]
+
+            begin
+              transactions_data = provider.get_account_transactions(
+                account_id,
+                start_date: 90.days.ago,
+                end_date: Date.today
+              )
+              transactions = transactions_data[:transactions] || []
+
+              if transactions.empty?
+                warnings << "Account '#{account_name}' has 0 transactions available in the last 90 days."
+              end
+            rescue Provider::Lunchflow::LunchflowError => e
+              Rails.logger.warn("Lunchflow transaction count check failed for account #{account_id}: #{e.message}")
+              warnings << "Unable to fetch transactions for '#{account_name}': #{e.message}"
+            end
+          end
+        end
+      rescue Provider::Lunchflow::LunchflowError => e
+        Rails.logger.warn("Lunchflow accounts fetch failed: #{e.message}")
+        warnings << "Unable to fetch account information: #{e.message}"
+      rescue => e
+        Rails.logger.warn("Unexpected error checking Lunchflow transactions: #{e.message}")
+        warnings << "Unable to verify transaction availability."
+      end
+
+      warnings
+    end
+
     # Sanitize return_to parameter to prevent XSS attacks
     # Only allow internal paths, reject external URLs and javascript: URIs
     def safe_return_to_path
diff --git a/app/controllers/simplefin_items_controller.rb b/app/controllers/simplefin_items_controller.rb
index dd5c5eea4..ad5ba38ad 100644
--- a/app/controllers/simplefin_items_controller.rb
+++ b/app/controllers/simplefin_items_controller.rb
@@ -92,6 +92,9 @@ class SimplefinItemsController < ApplicationController
         item_name: "SimpleFIN Connection"
       )
 
+      # Fetch transaction counts for validation
+      @transaction_warnings = fetch_transaction_counts(@simplefin_item)
+
       if turbo_frame_request?
         flash.now[:notice] = t(".success")
         @simplefin_items = Current.family.simplefin_items.ordered
@@ -99,7 +102,7 @@ class SimplefinItemsController < ApplicationController
           turbo_stream.replace(
             "simplefin-providers-panel",
             partial: "settings/providers/simplefin_panel",
-            locals: { simplefin_items: @simplefin_items }
+            locals: { simplefin_items: @simplefin_items, transaction_warnings: @transaction_warnings }
           ),
           *flash_notification_stream_items
         ]
@@ -439,6 +442,45 @@ class SimplefinItemsController < ApplicationController
       s.gsub(NAME_NORM_RE, " ")
     end
 
+    # Fetch transaction counts for all accounts in the SimpleFIN item
+    # Returns an array of warning messages if any accounts have issues
+    def fetch_transaction_counts(simplefin_item)
+      warnings = []
+
+      begin
+        # Fetch accounts with a reasonable date range (last 90 days)
+        provider = simplefin_item.simplefin_provider
+        accounts_data = provider.get_accounts(
+          simplefin_item.access_url,
+          start_date: 90.days.ago,
+          end_date: Date.today
+        )
+
+        accounts = accounts_data[:accounts] || []
+
+        if accounts.empty?
+          warnings << "No bank accounts found. Please check your SimpleFIN Bridge setup."
+        else
+          accounts.each do |account_data|
+            account_name = account_data[:name] || "Unknown Account"
+            transactions = account_data[:transactions] || []
+
+            if transactions.empty?
+              warnings << "Account '#{account_name}' has 0 transactions available in the last 90 days."
+            end
+          end
+        end
+      rescue Provider::Simplefin::SimplefinError => e
+        Rails.logger.warn("SimpleFin transaction count check failed: #{e.message}")
+        warnings << "Unable to fetch transaction information: #{e.message}"
+      rescue => e
+        Rails.logger.warn("Unexpected error checking SimpleFin transactions: #{e.message}")
+        warnings << "Unable to verify transaction availability."
+      end
+
+      warnings
+    end
+
     def compute_relink_candidates
       # Best-effort dedup before building candidates
       @simplefin_item.dedup_simplefin_accounts! rescue nil
diff --git a/app/views/settings/providers/_lunchflow_panel.html.erb b/app/views/settings/providers/_lunchflow_panel.html.erb
index 35d24c53d..28e9290aa 100644
--- a/app/views/settings/providers/_lunchflow_panel.html.erb
+++ b/app/views/settings/providers/_lunchflow_panel.html.erb
@@ -53,6 +53,19 @@
   <% end %>
 
   <% items = local_assigns[:lunchflow_items] || @lunchflow_items || Current.family.lunchflow_items.where.not(api_key: [nil, ""]) %>
+
+  <% transaction_warnings = local_assigns[:transaction_warnings] %>
+  <% if transaction_warnings&.any? %>
+    <div class="p-3 rounded-md bg-warning/10 border border-warning/20 text-warning text-sm space-y-1">
+      <p class="font-medium">Transaction Data Warnings:</p>
+      <ul class="list-disc list-inside text-xs space-y-0.5">
+        <% transaction_warnings.each do |warning| %>
+          <li><%= warning %></li>
+        <% end %>
+      </ul>
+    </div>
+  <% end %>
+
   <div class="flex items-center gap-2">
     <% if items&.any? %>
       <div class="w-2 h-2 bg-success rounded-full"></div>
diff --git a/app/views/settings/providers/_simplefin_panel.html.erb b/app/views/settings/providers/_simplefin_panel.html.erb
index 1e50a611c..ba0403894 100644
--- a/app/views/settings/providers/_simplefin_panel.html.erb
+++ b/app/views/settings/providers/_simplefin_panel.html.erb
@@ -36,6 +36,18 @@
     </div>
   <% end %>
 
+  <% transaction_warnings = local_assigns[:transaction_warnings] %>
+  <% if transaction_warnings&.any? %>
+    <div class="p-3 rounded-md bg-warning/10 border border-warning/20 text-warning text-sm space-y-1">
+      <p class="font-medium">Transaction Data Warnings:</p>
+      <ul class="list-disc list-inside text-xs space-y-0.5">
+        <% transaction_warnings.each do |warning| %>
+          <li><%= warning %></li>
+        <% end %>
+      </ul>
+    </div>
+  <% end %>
+
   <div class="flex items-center gap-2">
     <% if @simplefin_items&.any? %>
       <div class="w-2 h-2 bg-success rounded-full"></div>