First Tech Credit Union connection

I have the connection working with 2 factor authentication turned off at the bank. I need to turn it back on. Will you be supporting this going forward? I'm on a trial with YNAB and I love it but if I cant connect, it wont do. Please advise.

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  • Hi Sky Blue Mainframe !

    I see that you wrote in via email, and Marisa followed up with you. It sounds like you were able to get that connection up and running, receiving your one-time passcode via email instead of text?

    Let us know if you still have questions on this!

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  • No. The only way it works consistently is if I turn off multi factor authentication at my bank. Not something I want to do. Still looking for a solution or at least a comittment to a near term solution. Thanks.

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    • Hi Sky Blue Mainframe !

      What happens when you turn MFA back on? Are you running into an error? Are you not receiving the security code? If you turn it back on, we can ask our Direct Import partner to investigate any error you run into, but without MFA in place for them to see what's happening, they won't be able to get to the bottom of things. 

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  • its back on. Waiting to synch. Can i force it?

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    • Jim Schloff I took a look and it's waiting for you to answer your security questions. If you click on the Import button in the web app, does it give you the option to answer those or ask for a one-time password?

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  • I just answered the security questions and it comes back with "delayed"

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  • I logged into my bank directly then went back to YNAB and tried again. Still "Delayed".

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  • Tried again just now and it worked. However, It took a full day and several attempts. What should I expect from here? YNAB will attempt again tommorrow and it will fail and prompt me to answer questions. I'll do that and I'll get "delayed" for a few hours. Then after a few hours I'll answer security questions agin and it will work. If you agree that thats how it will  work then I think this needs more attention.

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    • Jim Schloff I just took a look and we're seeing a successfully completed connection. When the account connection is delayed, we see a Delayed error on our end and when the security questions are asked we see a credentials error. Delayed errors are supposed to automatically clear themselves within 48 hours, but you shouldn't be seeing them daily. If you run into the security questions, we just need to catch that error in order to have our Direct Import partner take a look (it shouldn't be telling you there's an issue with the password but then accepting the password).

      Can you keep an eye on it and let us know if it gives you another error?

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  • Update: With muilti factor authentication on at the bank the direct import feature becomes a daily manual process because YNAB connection is blocked until you answer questions (provide a code). This seems appropriate because I opted for MFA at my bank - my choice. However, I'm moving from Mint to YNAB and Mint must have had a peer to peer agreement with my bank that allowed it to bypass MFA but enforce security in other ways (secure connection). This way the Mint updates were automatic but I was also forced to enter a code when directly logging into my bank. Also, for YNAB it took me a while to find out how to make this work manually. If you click the problem icon, then the troubleshoot button, you break the connection and it will report "Delayed" for hours. Very frustrating. Alternatively, if you just click import it will generate the code from your bank and prompt you to enter it in YNAB. Once you do this, the connection is restored and it synchs. However, it cannot synch again, until you follow these steps, again. Can YNAB do what Mint does for MFA?

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    • Hi Jim Schloff !

      You're exactly right about that peer-to-peer agreement - this is called a direct connection. Mint just so happens to have a monopoly on Intuit, who owns them, so they currently have more direct connections at their disposal. 

      In some cases, we’ve found those security prompts will slowly start to subside, but we can’t guarantee it since each connection is unique. We’re hopeful this will improve as our Direct Import partner develops more direct connections, but right now (and for the foreseeable future) it is expected.

      This is great for security, of course, but not so great for the import experience. We completely understand that which is why we’ve had our Direct Import partner looking into the issue for months — pushing and prodding them to make it go away. Ultimately, they’ve determined they just don’t have any control over these security requirements. We're still hoping to see this improve in the future!

      If you’re finding that you can’t connect and/or import even after re-entering your credentials, that is not expected. Please let me know if that’s the case!

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  • Please keep the pressure on your connection partner. In the mean time I'll continue manually and let you know if I have problems. Thanks.

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    • Jim Schloff As the technology evolves, we hope that process will too. Please let us know if you run into anything else!

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  • I have to reply to that. My career is in IT with alot of focus on security. The technology is there. What needs to evolve is the budget.

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    • Hi Jim Schloff !

      By technology, we meant the account connectivity our Direct Import partners offer. As they build more direct connections, we're hoping to see this experience improve all around. :)

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  • Thanks. I'll keep in touch.

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  • Unfortunately, after two days of successfull connections, I'm back to getting "Delayed again". Frustrating.

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    • Jim Schloff I took a look and I'm now seeing that account connected again. Sorry for the rollercoaster here. Delayed errors should clear out automatically given a day or two (sometimes sooner). 

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  • I'm actually experiencing the same problem with my bank. My problem is, the multi-factor prompt comes through on my chosen device, but the window on YNAB where I can enter the code doesn't show up so nothing imports. This started happening about a week ago. I was able to resolve late last week by unlinking the account connection, removing the bank, and then setting it all up again, but I'd hate to have to do that every time I need to import. Hoping you can investigate. Thanks.

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    • Aquamarine Moose  My bank is First Tech as well.

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    • Hi Aquamarine Moose !

      Sorry for the trouble! I just took a look and I'm seeing a successful connection to First Tech. Were you able to enter that code, or did you have to remove and then re-add the account again?

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    • Faness I'm still not able to enter the code. A few seconds after logging in to YNAB, I get the alert on my phone with the MFA code, but I'm not prompted by YNAB with a place to enter that number. (I'm accessing through a Chrome browser if this helps.) Thx.

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    • Aquamarine Moose Is the account reconnecting without the code? I'm not seeing an error on our end for our Direct Import partner to investigate. Would you mind taking a quick screenshot of the screen you see after it prompts you for the security code?

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    • Faness My issue appears to be resolved as well. Transactions appeared to import okay this afternoon without me having to put in the authentication code.

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    • Aquamarine Moose Glad to hear that! Thanks for letting us know. Let us know if anything changes there!

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  • Delayed again this morning

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    • Jim Schloff Hey Jim! It looks like things are working again on on that account. It sounds like what may be happening here is that First Tech is limiting connections by third parties first thing in the morning. This is something that, while not common, some banks do during high traffic times.

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