diff --git a/main.py b/main.py
index 41c5e25..6f3ae14 100644
--- a/main.py
+++ b/main.py
@@ -580,12 +580,22 @@ def main() -> None:
                 t for t in all_ynab_txns if t["account_id"] in set(account_ids_for_ext)
             ]
 
-            # Filter WF to the comparison window, then find only new ones
+            # Filter WF to the comparison window
             filtered_wf = _filter_wf_from_date(wf_txns, start_iso)
-            new_wf = _find_new_transactions(filtered_wf, scoped_ynab)
 
-            # Convert the new WF transactions to YNAB-ready dicts
-            ynab_ready = _convert_wf_to_ynab_transactions(new_wf, target_account_id)
+            # For import: only exclude WF txns that already match a cleared/reconciled
+            # YNAB transaction.  Posted WF txns matching *uncleared* YNAB entries must
+            # survive so _classify_for_import can promote them to cleared.
+            settled_ynab = [
+                t for t in scoped_ynab
+                if t["cleared"] in ("cleared", "reconciled")
+            ]
+            import_candidates = _find_new_transactions(filtered_wf, settled_ynab)
+
+            # Convert the candidates to YNAB-ready dicts
+            ynab_ready = _convert_wf_to_ynab_transactions(
+                import_candidates, target_account_id,
+            )
 
             # Classify against existing YNAB transactions
             classification = _classify_for_import(ynab_ready, scoped_ynab)