widgets looking ok

lib/providers/sync_provider.dart

@@ -206,10 +206,20 @@ class SyncController extends ChangeNotifier {
 
   /// Bank pull-to-refresh / reconnect finished — reconcile with PocketBase.
   ///
-  /// Always runs a full sync when logged in so (1) new API txs are pushed and
+  /// Runs a full sync when idle so (1) new API txs are pushed and
   /// (2) any cloud-only history the bank window lacks is pulled back.
+  ///
+  /// If a sync is already in flight (common at cold start: constructor sync
+  /// overlaps bank refresh), do **not** queue another full sync — that was
+  /// causing a back-to-back double pull of 4k+ txs.
   void _onBankDataLoaded() {
     if (!_auth.isLoggedIn) return;
+    if (_syncing) {
+      debugPrint(
+        'SyncController: bank load finished during sync — skip queued full sync',
+      );
+      return;
+    }
     unawaited(syncNow());
   }