diff --git a/src/slackAppHome.js b/src/slackAppHome.js
index 7ac45e4..c720491 100644
--- a/src/slackAppHome.js
+++ b/src/slackAppHome.js
@@ -103,12 +103,14 @@ function buildHomeView(payments, metadata) {
   const today = new Date();
   today.setHours(0, 0, 0, 0);
 
-  // Categorize payments by status
-  const scheduled = [];
-  const outstanding = [];
-  const cleared = [];
+  // Categorize payments
+  const scheduledChecks = [];
+  const scheduledACH = [];
+  const outstandingChecks = [];
 
-  const skipStatuses = ["voided", "cancelled", "canceled", "marked as void"];
+  const skipStatuses = ["voided", "cancelled", "canceled", "marked as void", "cleared"];
+  const ninetyDaysAgo = new Date(today);
+  ninetyDaysAgo.setDate(ninetyDaysAgo.getDate() - 90);
 
   for (const p of payments) {
     if (p.method !== "ACH" && p.method !== "Check") continue;
@@ -117,20 +119,17 @@ function buildHomeView(payments, metadata) {
     if (!dt) continue;
 
     const status = (p.status || "").toLowerCase();
-
-    // Skip voided/cancelled payments entirely
     if (skipStatuses.includes(status)) continue;
 
-    if (status === "cleared") {
-      cleared.push(p);
-    } else if (status === "outstanding") {
-      outstanding.push(p);
-    } else if (dt < today) {
-      // Past due date but not yet confirmed cleared — outstanding
-      outstanding.push(p);
-    } else {
-      scheduled.push(p);
+    if (dt >= today) {
+      // Future — scheduled
+      if (p.method === "Check") scheduledChecks.push(p);
+      else scheduledACH.push(p);
+    } else if (p.method === "Check") {
+      // Past-due check not cleared — outstanding
+      outstandingChecks.push(p);
     }
+    // Past-due ACH not cleared is ignored (should have been auto-cleared)
   }
 
   // Sort by date
@@ -139,11 +138,14 @@ function buildHomeView(payments, metadata) {
     const db = parseMDYLocal(b.send_payment_on);
     return (da || 0) - (db || 0);
   };
-  scheduled.sort(byDate);
-  outstanding.sort(byDate);
-  cleared.sort(byDate);
+  scheduledChecks.sort(byDate);
+  scheduledACH.sort(byDate);
 
-  const buildSectionBlocks = (title, emoji, items) => {
+  // Split outstanding into <=90 days and >90 days
+  const outstanding90 = outstandingChecks.filter((p) => parseMDYLocal(p.send_payment_on) >= ninetyDaysAgo);
+  const outstandingOver90 = outstandingChecks.filter((p) => parseMDYLocal(p.send_payment_on) < ninetyDaysAgo);
+
+  const buildScheduledBlocks = (title, emoji, items) => {
     const total = items.reduce((sum, p) => sum + p.amount_usd, 0);
 
     const blocks = [
@@ -196,6 +198,52 @@ function buildHomeView(payments, metadata) {
     return blocks;
   };
 
+  const buildOutstandingBlocks = () => {
+    const totalAll = outstandingChecks.reduce((sum, p) => sum + p.amount_usd, 0);
+
+    const blocks = [
+      {
+        type: "section",
+        text: {
+          type: "mrkdwn",
+          text: `*:warning: Outstanding Checks*\n${outstandingChecks.length} checks • ${formatCurrency(totalAll)}`,
+        },
+      },
+      { type: "divider" },
+    ];
+
+    if (!outstandingChecks.length) {
+      blocks.push({
+        type: "section",
+        text: { type: "mrkdwn", text: "_None_" },
+      });
+      blocks.push({ type: "divider" });
+      return blocks;
+    }
+
+    const total90 = outstanding90.reduce((sum, p) => sum + p.amount_usd, 0);
+    const totalOver90 = outstandingOver90.reduce((sum, p) => sum + p.amount_usd, 0);
+
+    blocks.push({
+      type: "section",
+      fields: [
+        { type: "mrkdwn", text: `*90 days or less*` },
+        { type: "mrkdwn", text: `${outstanding90.length} checks • ${formatCurrency(total90)}` },
+      ],
+    });
+
+    blocks.push({
+      type: "section",
+      fields: [
+        { type: "mrkdwn", text: `*Over 90 days*` },
+        { type: "mrkdwn", text: `${outstandingOver90.length} checks • ${formatCurrency(totalOver90)}` },
+      ],
+    });
+
+    blocks.push({ type: "divider" });
+    return blocks;
+  };
+
   return {
     type: "home",
     blocks: [
@@ -211,9 +259,9 @@ function buildHomeView(payments, metadata) {
         ],
       },
       { type: "divider" },
-      ...buildSectionBlocks("Scheduled", ":calendar:", scheduled),
-      ...buildSectionBlocks("Outstanding", ":warning:", outstanding),
-      ...buildSectionBlocks("Cleared", ":white_check_mark:", cleared),
+      ...buildScheduledBlocks("Scheduled Checks", ":calendar:", scheduledChecks),
+      ...buildScheduledBlocks("Scheduled ACH", ":calendar:", scheduledACH),
+      ...buildOutstandingBlocks(),
     ],
   };
 }