Alliant Credit Union - Two-factor Authentication

My credit union just went to Two-factor Authentication and now I can't link my accounts to my YNAB account. When I try to link my accounts, I get the text from my bank with the codes to enter but there isn't a place to enter them in YNAB. I'm I don't something wrong or can you not link a bank account that uses Two-factor Authentication?

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  • Hi Spring Green Grizzly !

    Sorry for the trouble! A few other users have reported this issue and we've asked our Direct Import partner to investigate. Two-factor authentication is supported for a number of institutions, but since Alliant just added this feature our Direct Import partner will need to rebuild their integration to work with the new feature. It's possible turning it off would temporarily fix the issue, but we want that connection to work as intended so they're looking into a fix! 

    Hopefully, things will be back up and running soon! :)

    Reply Like 1
  • Hi, I'm also having this problem with Alliant. I don't have 2FA turned on. When I try to link the account, I get repeatedly cycled through my security questions (including once where I got a page with all of my security questions at once.)

    Reply Like 1
    • MerqOp Just chiming in to say I also have this issue!

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    • MerqOp I also am having this security question issue. It started when 2FA was announced from Alliant, but I never turned it on. 

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    • Powder Blue Ink Magenta Cup MerqOp 

      Hi all! We've heard from other Alliant folks who said there's a new login process on Alliant's website, so we  suspect that's what causing the issue. With a platform change like this, our Direct Import partner is going to have to make some significant changes on their end to account for this.

      The good news is that we’ve reported it to the Direct Import partner, so they can investigate and get started on repairing that connection! While we hope it will be fixed soon, it could take a couple weeks depending on the complexity.

      We’ll post updates on our Status Page as we hear back from our Direct Import partner, so please check in with us there! As always, please let us know if you have any other questions. 😀

      Reply Like 1
      • Jeff
      • jeff
      • 6 mths ago
      • Reported - view

      Nicole there isn't any way to subscribe to a status page issue from what I can see. Would you mind posting here once Alliant is resolved so I know when I can update my accounts?

      Reply Like
    • Jeff Being able to subscribe to the status page is a Grand idea! It isn't possible at the moment, but we'll post an update once things are back up and running! :)

      Reply Like
  • My connection is back on. I do not have Two-factor Authentication turned on (was able to turn it off). 

    Reply Like 1
  • Looks like it's working with 2fa now!

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      • Race4life
      • Spring_Green_Grizzly
      • 6 mths ago
      • Reported - view

      Jeff Does YNAB send you a code that you have to enter each time or do you have to enter a code at all in YNAB? 

      Reply Like
    • Jeff Thanks for letting us know!

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    • Spring Green Grizzly When you're connecting to your financial institution in YNAB and have MFA enabled, you'll be prompted to enter the code. Those codes are sent from your financial institution via SMS or email.

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      • Race4life
      • Spring_Green_Grizzly
      • 6 mths ago
      • Reported - view

      Nicole So if I am prompted to enter the code how does that work when YNAB updates in the middle of the night to my CU? Will I get a random text when it's trying to update? 

      Reply Like
    • Hi Spring Green Grizzly !

      Depending on the bank, the code usually lasts for 24 hours (sometimes longer). When you try to connect in YNAB, it'll prompt you for the code and it should automatically pull in transactions during the nightly refresh. The next time you log in, you may be prompted again. There have been times where alerts have been sent during the refresh, but if it fails you'll just be prompted to enter a code next time you log in.

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    • Faness Sitting here debating on whether to turn on 2FA or not. Alliant states that you can enable "Trust this device" and then on that device a username and password is sufficient. Does this not work with YNAB? I certainly don't want to have to enter a 6 digit code nearly every time I go to YNAB to budget.

      Reply Like
    • Hi Steel Blue Griffin !

      Unfortunately, that option usually doesn't work with your budget. Even though you're accessing YNAB from your computer, our Direct Import partner has their own system with an IP address that will differ from yours. If 2FA is turned on, it's possible you will be asked to enter a security code daily. While we know this isn't the best experience, it's your bank's way of keeping things secure. If you do enable 2FA, it's possible the security code requirements will lessen over time, but we can't say for certain.

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  • I'm afraid to turn the 2FA on because to turn it off you need to call into the CU and get a supervisor to turn it off. 

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    • Hi all! Spring Green Grizzly Magenta Cup MerqOp Powder Blue Ink

      Our Direct Import partner lets us know that they were able to build support for the real-time MFA workflow that Alliant added, and they have implemented a fix for this issue.

      Let’s have you try to connect one more time by clicking the Import button and following the prompts. Let us know how it goes!

      Reply Like
    • Nicole  Has your Direct Import partner fixed brand new connections to Alliant? 

      I'm trying to link an Alliant account to YNAB for the first time, and it's failing with the error "The login information wasn't recognized. Try logging in to your institution directly, then try again here." TFA is on, and I can log into the Alliant website just fine. 

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    • Hi missplaypen !

      Things should be back up and running, even for new Alliant accounts.

      I'm seeing an error on your account that typically means invalid credentials have been entered. In these cases, our Direct Import partner asks us to check a few things to make sure we leave no stone unturned!

      Here are some things you can try that typically help resolve this issue:

      — Check to make sure the URL you use to log into your online banking account matches the URL you see in YNAB.

      — Double check to make sure you're entering the correct credentials. If you’re using a password manager, try entering your login credentials in manually.

      — If your password is longer than 32 characters, try shortening it.

      — Log into your financial institution's online banking account, then immediately try reconnecting the account in YNAB.

      — Make sure your password doesn't contain any of these characters: 

       

      - Pipe: |

      - Tilde: ~

      - Less Than: <

      - More Than: >

      - Ampersand: &

       

      If so, (and I know this sounds silly, but...) in order to set up the Direct Import connection, you would need to change your password to one that does not have either of those characters because our system isn't able to handle passwords that contain these characters. (This applies to all accounts at all institutions.) Of course, that decision is completely up to you.

      If you’re still getting a message about your credentials being invalid, please let me know and we'll go from there! :)

      Reply Like
    • Faness Thank you! I gave it another go, and this time my new Alliant account got linked with no problems.  TFA is still on. Looks great!

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    • missplaypen or anyone else you has enabled TFA. Could you provide any info on how often you need to enter an Alliant security code into YNAB? Is it required every time YNAB syncs to Alliant or is it roughly every 24 hours?

      Reply Like
      • Race4life
      • Spring_Green_Grizzly
      • 6 mths ago
      • Reported - view

      Steel Blue Griffin I enabled TFA and it worked for me as well. I enabled TFA late yesterday so my YNAB won't update for a few more hours. I'll report back if it has me enter the code in again within 24 hours. 

      Reply Like
  • I wanted to leave a quick note here for everyone who stumbles upon this thread! :)

    Our Direct Import partner believes they have resolved this issue with Alliant. If you're still having trouble, please don't hesitate to let us know!

    Reply Like
  • Steel Blue Griffin I can confirm that you have to enter the code each time it updates. I do get text codes in the middle of the night when YNAB is trying to update. Also, to enter the codes, I have to click on add an account, go to linked accounts and then click on my Alliant accounts, I then get sent the code to enter and YNAB displays a place to add the code. Not an ideal process but it does work. 

    Reply Like
    • Race4life Thanks so much for the information! Yikes, definitely not ideal, I think I am too lazy for this process. I use Lastpass to manage my passwords which are all unique and strong. I think I will stay old school and keep TFA off until a smoother process is available. No biggie to change my password every couple of months. But again, thanks for following up, appreciate it!

      Reply Like 1
  • So, YNAB will auto import fine from Alliant without hassle if you have 2FA turned off?

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      • Race4life
      • Spring_Green_Grizzly
      • 5 mths ago
      • Reported - view

      Silver Rain Hello, yes I have no issues with Alliant importing with 2FA turned off. 

      Reply Like
  • Can anyone confirm if this is now working properly with 2FA (i.e., not asking for a code every time it tries to connect if you typed "yes" and saved the connection with Alliant)?

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    • David Schachner it doesn't work for me: it asks for a code every time a new import from ACU is performed.

      Reply Like
    • Hi David Schachner !  Unfortunately, that saved option via Alliant usually doesn't work with your budget.

      Even though you're accessing YNAB from your computer, our import partner has their own system with a different IP address. If 2FA is turned on, it's possible you will be asked to enter a security code daily. While we know this isn't the best experience, it's your bank's way of keeping things secure. If you do enable 2FA, it's possible the security code requirements will lessen over time, but we can't say for certain.

      You don't need to re-authorize the connection every time it asks—just go through the prompt when you're ready to import new transactions.

      Reply Like
  • My credit union has gone to 2FA every login, and that doesn't work with YNAB any more. Do I have any options? This is my primary banking account(s).

    Reply Like
      • casner
      • Now retired, and figuring out transitions
      • casner
      • 4 wk ago
      • Reported - view

      I have tried the disconnect/reconnect, and the troubleshooter. Troubleshooting does not work, because the dialog presents the choice of how I want to receive the PIN, but then just about the time I get the PIN, the dialog says OK, all done. Which it isn't, because there is no dialog to enter the PIN. Very frustrating. CFCU (WI) is my credit union.

      Reply Like
    • Hi casner ! Thank you for those detail! I'm happy to help with that CFCU connection. It looks like you're running into an error that we'll need to investigate. I reached out via email, so we can get the ball rolling!

      Reply Like
      • casner
      • Now retired, and figuring out transitions
      • casner
      • 4 wk ago
      • Reported - view

      Nicole I removed the account, restarted the browser, and reconnected. It took two logins, a PIN response, and about 12 minutes to connect, with three dialogs after the PIN dialog. But it looks like it is working. I will let you know tomorrow if that changes - it usually does.

      Reply Like
    • Hi casner !

      That's a long list of steps to take in order to connect. I'll keep my fingers crossed it stays connected, but if not, please respond to Nicole's email and we'll go from there! :)

      Reply Like
  • HI. I'm able to connect to Alliant Credit Union, but it doesn't find my accounts (shows 0/0) accounts. I have checking, savings and CC account there. 

     

    I use security questions, not SMS codes.

    Reply Like
    • Hi Purple Wrench A reason some folks run into this issue is if there's a different option they could be connecting to instead—let’s start there! Can you tell me the following?

      • the exact web address where you login to access these accounts:

      If we can’t find another option that might work for you, then we can work with our import partner to take a closer look!

      Reply Like
    • Nicole hi. Thank you for responding. 

       

      Alliant credit union online banking 

      https://www.alliantcreditunion.com/OnlineBanking/Login.aspx

      When adding my account to YNAB it accepted my login details and then asked for security questions   

      It took a few attempts to pass security questions even to the point that I had to unlock account   

       

      Now it it shows as connected but accounts are 0/0  

       

      i added my chase and BOA without issues  

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    • Nicole here is screenshot. I just removed connection and tried to connect again. 

      Reply Like
    • I'm having the same issue as Purple Wrench , although I use 2FA.

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    • Purple Wrench Thanks for giving those steps a try! I've sent you an email, so we can have the import partner look closer. 

      Reply Like
    • Cyan Memory I’m happy to help! Can you let me know the types of the accounts you're missing on the ACU connection? And we'll dive in!

      Reply Like
    • Nicole Thank you, I've actually already started an email support thread with Angela, hopefully we can figure it out.

      Reply Like 1
      • MerqOp
      • merqop
      • 12 days ago
      • Reported - view

      I'm having the same issue as Purple Wrench . I originally had 8 accounts working fine (checking+savings+6 supplementary savings), but was missing 3 new supplementary savings accounts I had made recently. I disconnected and reconnected Alliant in general to try and fix the issue, and now all of my accounts are missing with the same blank list.

      Reply Like
    • Hi MerqOp !

      Sorry for the trouble! 

      Since we’ve received reports from a number of Alliant users who are running into the same issue after Alliant made some updates, we’re already working on this with our import partner.

      When a financial institution makes changes to their online banking platform, our import partner has to make some significant changes on their side to re-establish a connection and import transactions. 

      The necessary changes are typically able to be made, but it depends on the complexity and will take some time to do so (unfortunately we don’t get an estimate on these). We’ll post updates on our Status Page as we hear back from our import partner, so please check in with us there! 

      Here are the steps to keep your budget updated in the meantime:

      1. Enter transactions yourself—the mobile app is great for recording spending on-the-go (gas and groceries) and Scheduled Transactions are perfect for recurring expenses (rent and utility bills). Once you're able to link the account, imported transactions will match right up with the ones you entered. You’ll even have the chance to approve the matches—or manually match two transactions if the amounts differed.
      2. Import and categorize transactions by using File-Based Importing (in the web app). It’s a super quick and easy alternative that allows you to drag and drop a file containing your transactions right into YNAB.
      3. Click the Reconcile button in the web app and follow the steps to verify your accounts regularly. After all, correct balances are the foundation of your budget!

      Let me know if you have any questions!

      Reply Like
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