fix pending transaction

lib/providers/bank_provider.dart

@@ -423,7 +423,9 @@ class BankController extends ChangeNotifier {
 
     final manuals = _collectManualIds(incoming);
     if (incoming.isNotEmpty) {
-      _remoteTransactions = mergeTransactions(_remoteTransactions, incoming);
+      _remoteTransactions = dropSettledPendingDuplicates(
+        mergeTransactions(_remoteTransactions, incoming),
+      );
     }
     // Strip any local copies that match a pending delete (defensive).
     if (_pendingRemoteDeletes.isNotEmpty) {
@@ -522,8 +524,10 @@ class BankController extends ChangeNotifier {
       final apiTxs = results[1] as List<BankTransaction>;
       // Bank API is ~89 days. Prefer API rows for overlaps, but keep any
       // cloud/CSV history that the API window does not include.
+      // Pending rows are not kept from cache — they must still be on the feed.
       final manuals = _collectManualIds();
-      _remoteTransactions = mergeTransactions(apiTxs, _remoteTransactions);
+      _remoteTransactions =
+          mergeApiTransactionsWithCache(apiTxs, _remoteTransactions);
       if (!_status.linked) {
         _status = ConnectStatus(
           status: 'linked',