diff --git a/src/main/java/com/sb/web/account/service/RecurringService.java b/src/main/java/com/sb/web/account/service/RecurringService.java
index be3b37b..1fa63e8 100644
--- a/src/main/java/com/sb/web/account/service/RecurringService.java
+++ b/src/main/java/com/sb/web/account/service/RecurringService.java
@@ -83,15 +83,19 @@ public class RecurringService {
 
     private AccountEntry buildEntry(Recurring r, LocalDate date, Long memberId) {
         boolean transfer = "TRANSFER".equals(r.getType());
+        // 메모가 없으면 제목으로 채워 '확인 필요' 목록에서 알아보기 쉽게 한다.
+        String memo = (r.getMemo() != null && !r.getMemo().isBlank()) ? r.getMemo() : r.getTitle();
         return AccountEntry.builder()
                 .memberId(memberId)
                 .entryDate(date)
                 .type(r.getType())
                 .category(transfer ? null : r.getCategory())
                 .amount(r.getAmount())
-                .memo(r.getMemo())
+                .memo(memo)
                 .walletId(r.getWalletId())
                 .toWalletId(transfer ? r.getToWalletId() : null)
+                // 실제 결제/이체가 일어났는지 사용자가 확인하도록 '확인 필요'로 생성
+                .pending(true)
                 .build();
     }