diff --git a/app/Http/Controllers/Finance/DailyFundController.php b/app/Http/Controllers/Finance/DailyFundController.php
index d76e02c0..060a02c5 100644
--- a/app/Http/Controllers/Finance/DailyFundController.php
+++ b/app/Http/Controllers/Finance/DailyFundController.php
@@ -7,6 +7,7 @@
 use App\Models\Barobill\BankTransactionOverride;
 use App\Models\Finance\DailyFundMemo;
 use App\Models\Finance\DailyFundTransaction;
+use App\Services\Barobill\BarobillBankSyncService;
 use Illuminate\Http\JsonResponse;
 use Illuminate\Http\Request;
 
@@ -173,6 +174,13 @@ public function periodReport(Request $request): JsonResponse
         $startDateYmd = str_replace('-', '', $startDate);
         $endDateYmd = str_replace('-', '', $endDate);
 
+        // 바로빌 데이터 자동 동기화 (캐시가 오래되었으면 API에서 갱신)
+        try {
+            app(BarobillBankSyncService::class)->syncIfNeeded($tenantId, $startDateYmd, $endDateYmd);
+        } catch (\Throwable $e) {
+            \Illuminate\Support\Facades\Log::warning('[DailyFund] 바로빌 동기화 실패 (DB 캐시로 계속): '.$e->getMessage());
+        }
+
         // 기간 내 거래내역 조회 (중복 제거: balance 포함 고유키로 동일 거래만 제거)
         $transactions = BarobillBankTransaction::where('tenant_id', $tenantId)
             ->whereBetween('trans_date', [$startDateYmd, $endDateYmd])
diff --git a/app/Services/Barobill/BarobillBankSyncService.php b/app/Services/Barobill/BarobillBankSyncService.php
new file mode 100644
index 00000000..97039f07
--- /dev/null
+++ b/app/Services/Barobill/BarobillBankSyncService.php
@@ -0,0 +1,375 @@
+<?php
+
+namespace App\Services\Barobill;
+
+use App\Models\Barobill\BankSyncStatus;
+use App\Models\Barobill\BankTransaction;
+use App\Models\Barobill\BarobillConfig;
+use App\Models\Barobill\BarobillMember;
+use Carbon\Carbon;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Log;
+
+/**
+ * 바로빌 계좌 거래내역 동기화 서비스
+ *
+ * EaccountController의 캐시/동기화 로직을 서비스로 분리하여
+ * DailyFundController 등 다른 곳에서도 동기화를 트리거할 수 있도록 함
+ */
+class BarobillBankSyncService
+{
+    private ?string $certKey = null;
+
+    private ?string $corpNum = null;
+
+    private bool $isTestMode = false;
+
+    private ?string $soapUrl = null;
+
+    private ?\SoapClient $soapClient = null;
+
+    /**
+     * 지정 기간의 거래내역이 최신인지 확인하고, 필요 시 바로빌 API에서 동기화
+     *
+     * @param  int  $tenantId  테넌트 ID
+     * @param  string  $startDateYmd  시작일 (YYYYMMDD)
+     * @param  string  $endDateYmd  종료일 (YYYYMMDD)
+     */
+    public function syncIfNeeded(int $tenantId, string $startDateYmd, string $endDateYmd): void
+    {
+        $member = BarobillMember::where('tenant_id', $tenantId)->first();
+        if (! $member || empty($member->barobill_id)) {
+            return;
+        }
+
+        $this->initFromConfig($member);
+        if (! $this->soapClient) {
+            Log::warning('[BankSync] SOAP 클라이언트 초기화 실패', ['tenantId' => $tenantId]);
+
+            return;
+        }
+
+        $accounts = $this->getRegisteredAccounts();
+        if (empty($accounts)) {
+            Log::debug('[BankSync] 등록된 계좌 없음', ['tenantId' => $tenantId]);
+
+            return;
+        }
+
+        $currentYearMonth = Carbon::now()->format('Ym');
+        $chunks = $this->splitDateRangeMonthly($startDateYmd, $endDateYmd);
+
+        foreach ($accounts as $acc) {
+            $accNum = $acc['bankAccountNum'];
+
+            foreach ($chunks as $chunk) {
+                $yearMonth = substr($chunk['start'], 0, 6);
+                $isCurrentMonth = ($yearMonth === $currentYearMonth);
+
+                // 캐시 판단
+                $syncStatus = BankSyncStatus::where('tenant_id', $tenantId)
+                    ->where('bank_account_num', $accNum)
+                    ->where('synced_year_month', $yearMonth)
+                    ->first();
+
+                if ($syncStatus) {
+                    if (! $isCurrentMonth) {
+                        continue; // 과거 월: 항상 캐시
+                    }
+                    if ($syncStatus->synced_at->diffInMinutes(now()) < 10) {
+                        continue; // 현재 월: 10분 이내면 캐시
+                    }
+                }
+
+                // API 호출 필요
+                $this->fetchAndCache(
+                    $tenantId,
+                    $member->barobill_id,
+                    $accNum,
+                    $acc['bankName'],
+                    $acc['bankCode'],
+                    $chunk['start'],
+                    $chunk['end'],
+                    $yearMonth
+                );
+            }
+        }
+    }
+
+    /**
+     * BarobillConfig + BarobillMember 설정으로 SOAP 초기화
+     */
+    private function initFromConfig(BarobillMember $member): void
+    {
+        $memberTestMode = $member->isTestMode();
+        $targetEnv = $memberTestMode ? 'test' : 'production';
+
+        $config = BarobillConfig::where('environment', $targetEnv)->first();
+        if (! $config) {
+            $config = BarobillConfig::where('is_active', true)->first();
+        }
+
+        if ($config) {
+            $this->isTestMode = $memberTestMode;
+            $this->certKey = $config->cert_key;
+            $this->corpNum = $config->corp_num;
+            $baseUrl = $config->base_url ?: ($memberTestMode
+                ? 'https://testws.baroservice.com'
+                : 'https://ws.baroservice.com');
+            $this->soapUrl = $baseUrl.'/BANKACCOUNT.asmx?WSDL';
+        }
+
+        $this->initSoapClient();
+    }
+
+    private function initSoapClient(): void
+    {
+        if (! empty($this->certKey) || $this->isTestMode) {
+            try {
+                $context = stream_context_create([
+                    'ssl' => [
+                        'verify_peer' => false,
+                        'verify_peer_name' => false,
+                        'allow_self_signed' => true,
+                    ],
+                ]);
+
+                $this->soapClient = new \SoapClient($this->soapUrl, [
+                    'trace' => true,
+                    'encoding' => 'UTF-8',
+                    'exceptions' => true,
+                    'connection_timeout' => 30,
+                    'stream_context' => $context,
+                    'cache_wsdl' => WSDL_CACHE_BOTH,
+                ]);
+            } catch (\Throwable $e) {
+                Log::error('[BankSync] SOAP 클라이언트 생성 실패: '.$e->getMessage());
+            }
+        }
+    }
+
+    /**
+     * 바로빌 등록 계좌 목록 조회
+     */
+    private function getRegisteredAccounts(): array
+    {
+        $result = $this->callSoap('GetBankAccountEx', ['AvailOnly' => 0]);
+        if (! $result['success']) {
+            return [];
+        }
+
+        $data = $result['data'];
+        $accountList = [];
+        if (isset($data->BankAccount)) {
+            $accountList = is_array($data->BankAccount) ? $data->BankAccount : [$data->BankAccount];
+        } elseif (isset($data->BankAccountEx)) {
+            $accountList = is_array($data->BankAccountEx) ? $data->BankAccountEx : [$data->BankAccountEx];
+        }
+
+        $accounts = [];
+        foreach ($accountList as $acc) {
+            if (! is_object($acc)) {
+                continue;
+            }
+            $bankAccountNum = $acc->BankAccountNum ?? '';
+            if (empty($bankAccountNum) || (is_numeric($bankAccountNum) && $bankAccountNum < 0)) {
+                continue;
+            }
+            $accounts[] = [
+                'bankAccountNum' => $bankAccountNum,
+                'bankCode' => $acc->BankCode ?? '',
+                'bankName' => $acc->BankName ?? '',
+            ];
+        }
+
+        return $accounts;
+    }
+
+    /**
+     * 바로빌 API에서 거래내역을 가져와 DB에 캐시
+     */
+    private function fetchAndCache(
+        int $tenantId,
+        string $userId,
+        string $accNum,
+        string $bankName,
+        string $bankCode,
+        string $startDate,
+        string $endDate,
+        string $yearMonth
+    ): void {
+        $result = $this->callSoap('GetPeriodBankAccountTransLog', [
+            'ID' => $userId,
+            'BankAccountNum' => $accNum,
+            'StartDate' => $startDate,
+            'EndDate' => $endDate,
+            'TransDirection' => 1,
+            'CountPerPage' => 1000,
+            'CurrentPage' => 1,
+            'OrderDirection' => 2,
+        ]);
+
+        if (! $result['success']) {
+            return;
+        }
+
+        $chunkData = $result['data'];
+
+        // 에러 코드 체크
+        if (is_numeric($chunkData) && $chunkData < 0) {
+            $errorCode = (int) $chunkData;
+            // 데이터 없음이어도 sync 상태 기록 (빈 월 반복 호출 방지)
+            if (in_array($errorCode, [-25005, -25001])) {
+                $this->updateSyncStatus($tenantId, $accNum, $yearMonth);
+            }
+
+            return;
+        }
+
+        // 로그 추출
+        $rawLogs = [];
+        if (isset($chunkData->BankAccountLogList) && isset($chunkData->BankAccountLogList->BankAccountTransLog)) {
+            $logs = $chunkData->BankAccountLogList->BankAccountTransLog;
+            $rawLogs = is_array($logs) ? $logs : [$logs];
+        }
+
+        // DB에 캐시 저장
+        if (! empty($rawLogs)) {
+            $this->cacheTransactions($tenantId, $accNum, $bankName, $bankCode, $rawLogs);
+            Log::debug("[BankSync] 캐시 저장 ({$startDate}~{$endDate}): ".count($rawLogs).'건');
+        }
+
+        $this->updateSyncStatus($tenantId, $accNum, $yearMonth);
+    }
+
+    /**
+     * API 응답을 DB에 배치 저장
+     */
+    private function cacheTransactions(int $tenantId, string $accNum, string $bankName, string $bankCode, array $rawLogs): void
+    {
+        $rows = [];
+        $now = now();
+
+        foreach ($rawLogs as $log) {
+            $transDT = $log->TransDT ?? '';
+            $transDate = strlen($transDT) >= 8 ? substr($transDT, 0, 8) : '';
+            $transTime = strlen($transDT) >= 14 ? substr($transDT, 8, 6) : '';
+            $deposit = floatval($log->Deposit ?? 0);
+            $withdraw = floatval($log->Withdraw ?? 0);
+            $balance = floatval($log->Balance ?? 0);
+            $summary = $log->TransRemark1 ?? $log->Summary ?? '';
+            $remark2 = $log->TransRemark2 ?? '';
+
+            $cleanSummary = BankTransaction::cleanSummary($summary, $remark2);
+
+            $rows[] = [
+                'tenant_id' => $tenantId,
+                'bank_account_num' => $log->BankAccountNum ?? $accNum,
+                'bank_code' => $log->BankCode ?? $bankCode,
+                'bank_name' => $log->BankName ?? $bankName,
+                'trans_date' => $transDate,
+                'trans_time' => $transTime,
+                'trans_dt' => $transDT,
+                'deposit' => $deposit,
+                'withdraw' => $withdraw,
+                'balance' => $balance,
+                'summary' => $cleanSummary,
+                'cast' => $remark2,
+                'memo' => $log->Memo ?? '',
+                'trans_office' => $log->TransOffice ?? '',
+                'is_manual' => false,
+                'created_at' => $now,
+                'updated_at' => $now,
+            ];
+        }
+
+        foreach (array_chunk($rows, 100) as $batch) {
+            DB::table('barobill_bank_transactions')->insertOrIgnore($batch);
+        }
+    }
+
+    private function updateSyncStatus(int $tenantId, string $accNum, string $yearMonth): void
+    {
+        BankSyncStatus::updateOrCreate(
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_num' => $accNum,
+                'synced_year_month' => $yearMonth,
+            ],
+            ['synced_at' => now()]
+        );
+    }
+
+    /**
+     * 기간을 월별 청크로 분할
+     */
+    private function splitDateRangeMonthly(string $startDate, string $endDate): array
+    {
+        $start = Carbon::createFromFormat('Ymd', $startDate)->startOfDay();
+        $end = Carbon::createFromFormat('Ymd', $endDate)->endOfDay();
+
+        $chunks = [];
+        $cursor = $start->copy();
+
+        while ($cursor->lte($end)) {
+            $chunkStart = $cursor->copy();
+            $chunkEnd = $cursor->copy()->endOfMonth()->startOfDay();
+
+            if ($chunkEnd->gt($end)) {
+                $chunkEnd = $end->copy()->startOfDay();
+            }
+
+            $chunks[] = [
+                'start' => $chunkStart->format('Ymd'),
+                'end' => $chunkEnd->format('Ymd'),
+            ];
+
+            $cursor = $chunkStart->copy()->addMonth()->startOfMonth();
+        }
+
+        return $chunks;
+    }
+
+    private function callSoap(string $method, array $params = []): array
+    {
+        if (! $this->soapClient) {
+            return ['success' => false, 'error' => 'SOAP 클라이언트 미초기화'];
+        }
+
+        if (! isset($params['CERTKEY'])) {
+            $params['CERTKEY'] = $this->certKey ?? '';
+        }
+        if (! isset($params['CorpNum'])) {
+            $params['CorpNum'] = $this->corpNum;
+        }
+
+        try {
+            $soapStartTime = microtime(true);
+            $result = $this->soapClient->$method($params);
+            $resultProperty = $method.'Result';
+            $elapsed = round((microtime(true) - $soapStartTime) * 1000);
+
+            Log::debug("[BankSync] SOAP {$method} 완료 ({$elapsed}ms)");
+
+            if (isset($result->$resultProperty)) {
+                $resultData = $result->$resultProperty;
+
+                if (is_numeric($resultData) && $resultData < 0) {
+                    return [
+                        'success' => false,
+                        'error' => "바로빌 API 오류: {$resultData}",
+                        'data' => $resultData,
+                    ];
+                }
+
+                return ['success' => true, 'data' => $resultData];
+            }
+
+            return ['success' => true, 'data' => $result];
+        } catch (\Throwable $e) {
+            Log::error('[BankSync] SOAP 오류: '.$e->getMessage());
+
+            return ['success' => false, 'error' => $e->getMessage()];
+        }
+    }
+}