feat(web): exclude bank fees from spending views

Consume the new `fee` flag from the API: bank service/maintenance fees
are dropped from the transaction list, expense totals, the categorize
review queue, and the recurring estimate — the user treats them as noise,
like transfers.

src/api/schemas/transaction.ts

@@ -1,5 +1,6 @@
 import { z } from "zod";
 export const TxnSchema = z.object({ date: z.string(), amount: z.string(), direction: z.string(), category: z.string(),
   title: z.string(), balanceAfter: z.string().nullish(), accountId: z.number(), transfer: z.boolean().nullish(),
-  txnId: z.number().nullish(), note: z.string().nullish(), matchKey: z.string().nullish(), salary: z.boolean().nullish() });
+  txnId: z.number().nullish(), note: z.string().nullish(), matchKey: z.string().nullish(), salary: z.boolean().nullish(),
+  fee: z.boolean().nullish() });
 export type Txn = z.infer<typeof TxnSchema>;

src/features/accounting/CategorizeReview.tsx

@@ -36,6 +36,7 @@ function isReviewableSpend(t: Txn): boolean {
   if (t.salary === true) return false;
   if (t.direction === "income") return false;
   if (t.transfer === true) return false;
+  if (t.fee === true) return false; // bank's own fees are excluded, not categorized
   return Boolean(t.matchKey || t.title);
 }
 

src/features/accounting/TransactionList.tsx

@@ -154,6 +154,7 @@ export function TransactionList() {
     let expense = 0;
     for (const txn of all) {
       if (txn.transfer === true) continue;
+      if (txn.fee === true) continue; // bank's own fees are excluded from totals
       if (txn.direction === "income") income += amountOf(txn);
       else expense += amountOf(txn);
     }
@@ -169,6 +170,7 @@ export function TransactionList() {
           !txn.category &&
           txn.salary !== true &&
           txn.transfer !== true &&
+          txn.fee !== true &&
           txn.direction !== "income" &&
           (txn.matchKey || txn.title),
       ),
@@ -178,7 +180,7 @@ export function TransactionList() {
   const visible = useMemo(
     () =>
       all
-        .filter((txn) => txn.salary !== true)
+        .filter((txn) => txn.salary !== true && txn.fee !== true)
         .filter((txn) => selectedCategory === null || txn.category === selectedCategory)
         .slice()
         .sort((a, b) => new Date(b.date).getTime() - new Date(a.date).getTime()),

src/features/home/recurring.ts

@@ -26,7 +26,7 @@ export function detectRecurringMerchants(
 ): DetectedRecurring[] {
   const groups = new Map<string, { label: string; count: number; total: number }>();
   for (const t of txns) {
-    if (t.transfer === true || t.direction === "income") continue;
+    if (t.transfer === true || t.fee === true || t.direction === "income") continue;
     const key = t.matchKey || t.title;
     if (!key || knownMatchKeys.has(key)) continue;
     const amount = dec(t.amount);