YNAB and PNC Bank

My wife and I are moving and have to switch banks as a result. We are looking at PNC bank but customer support with YNAB informed us that direct import includes double transactions because of pending transactions showing up. 


Does anyone use direct import from PNC bank successfully? Have you seen this issue? How have you worked around it if so? 


Not happy with YNABs answer that nothing can be done. 

26replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Hi Khaki Camera !

    Sorry for the trouble here! I'm hoping a YNABer who uses PNC will chime in with their personal experience. I don't use PNC but I do see the issue with their files noted and our Direct Import partner is currently working on fixing another issue with transactions importing incorrectly. PNC connections have been somewhat problematic as of late, but I'm hopeful they'll improve going forward. 

    Reply Like
  • I use PNC. They’ve always worked well for me. The last month has seen a couple issues like importing into the wrong account and doubling every transaction but the YNAB team is looking into it. 

    Reply Like 1
  • Just got hit with this yesterday, for the first time. Duplicates, and old transactions raised from the grave. I tried to contact YNAB support via the Android App, and no response, and no "views" from them. I just 'e-mail'ed them (within the webapp) from the desktop web site, so hopefully will hear back soon. Is there an "undo" and/or "retry" for a bad import from banks? The mess I have to clean up is kinda daunting (54 bad transactions intermixed with real transactions).

    Reply Like
    • Sorry for the trouble, Jesse Adelman !

      In the web app you're able to Undo an import, but those transactions will re-import the next time you click the Import button.

      Our Direct Import partner is currently working on a fix for this issue. We’ll post updates on our Status Page as we hear back from our Direct Import partner, so please check in with us there! 

      To keep everything up to speed, you can delete the duplicates as they import and reconcile your account from the web app to ensure the balance matches your bank.

      And as always, please let us know if you have any other questions!

      Reply Like
    • Faness What I'd prefer is the option to a) Undo a bad import, b) then, temporarily disable all future imports, c) turn on imports again when the issue seems to have passed. None of this Rejecting-50+-transactions-individually hassle.

      Reply Like
  • I am a long-time YNAB user and bank and PNC. The connection has been a pain for months now. The connection gets broken and it takes multiple tries to re-establish--so many that PNC forced me to re-register my account there due to excessive failed login attempts. Once re-established--and sometimes spontaneously--large numbers of duplicate transactions get added, forcing a tedious culling by hand (especially if you have transactions that look nearly alike). 

    Check out the status page (http://status.youneedabudget.com/pages/570bf4ac3f22d07560000b1e) and multiply that by x2, since YNAB is under-reporting the problems. Since I can't change banks, I'm having to re-think my YNAB subscription. If you have a choice, you might aim for a bank with a higher reliability rating (bottom of page).

    Reply Like
    • Hi Silver Flute !

      Sorry for the trouble! We're currently experiencing multiple issues with PNC bank (there's currently three active incidents on the status page you linked). Some users aren't able to connect at all and those that can connect are seeing either duplicates or incorrect imports.

      We're working with our Direct Import partner to get these issues ironed out, but we'll need a bit more time to do so.

      Reply Like
  • I've had a lot of problems using PNC with YNAB.  I'm currently experiencing the same duplicate transaction issue and I have connection problems (logging-in) every 2-3 weeks.  I haven't had any problems with AMEX but PNC has been a challenge.

    I'm not sure what else to do at this point but I've considered dropping PNC purely because I'm so invested in YNAB!

    Reply Like
    • Hi cmd8 ! Sorry you're having trouble with that connection. It's been a troublesome one lately! 😅

      We're currently experiencing multiple issues with PNC bank. Some users aren't able to connect at all and those that can connect are seeing either duplicates or incorrect imports (like you mentioned). We're working with our Direct Import partner to get these issues ironed out, and hope to have better news for you soon!

      Reply Like
  • I use PNC and it has generally worked well for me. There are several recent issues, as noted above and on the status page, but I know YNAB is working on it and am confident they'll get sorted. In the meantime, I'm  just manually putting in my transactions, and double checking them by logging in to PNC and looking at my account details there.

    Reply Like
    • Thanks Spring Green Jackal ! We really appreciate your patience on this, while we work with the Direct Import partner to get the connection back up and running!

      Reply Like
  • FYI, I just chatted with a PNC rep and they told me 

    PNC has temporarily suspended its connectivity with a third-party data aggregator as we work together to ensure compliance with PNC’s security standards. This action may temporarily impact your usage of certain third-party applications that you have connected to your PNC account.

    Reply Like 2
    • Navy Blue Rain thanks for the update. I hope they get it straightened out soon. I’d leave PNC before I’d leave YNAB.

      Reply Like
    • Navy Blue Rain  Thank you so much for letting us know!

      Reply Like
  • I just started my 34 day trial with YNAB. I hope I can trial the features with my PNC account. Right now I can't get anything off the ground till this gets fixed...

    Reply Like
    • Hi Glenn ! Welcome to You Need A Budget! We're sorry the trouble there, and are working with our import partner to get that connection up and running again. When you're ready to budget, just send us a quick message—and we'd be happy to restart the trial for you!

      Reply Like
      • Glenn
      • Purple_Unicorn.3
      • 3 days ago
      • 1
      • Reported - view

      Nicole - actually I started using YNAB in manual mode - and I might prefer this! Your programmers are top notch. Very nice, smooth, fluid interface. Took me a while to understand the concepts but once it clicked I am off and running. I may want to link up PNC later when available but maybe not... 😀

      Reply Like 1
    • Glenn I'm so glad to hear that! ❤️ Let us know if we can do anything to help you along the way! 

      Reply Like
  • I have been using YNAB online for over a year with our PNC accounts and it has been almost seamless, until the past week or so. Last week it started duplicating transactions, which didn't bother me too much since I go over my YNAB daily, but this week I haven't been able to connect at all. I am getting more and more frustrated with PNC and if this isn't resolved I may be switching to another bank. 

    Reply Like
  • FYI, the YNAB PNC status report seems bogus:

    https://status.youneedabudget.com/ (at the very bottom of the page):

    "PNC Bank          Connection Success: 95.6% "

    That's in the last 24 hours. Does that really mean that 95.6% of folks who use PNC with YNAB are getting downloads of transactions fine? If so, why is mine not? Methinks that this status may be misleading us.

    Reply Like
    • Hi Jesse Adelman ! That is a great question! The institution stats are calculated across our three import partners, and based on if a user is successfully connected.

      With changes PNC made to their security standards, we're seeing a few different errors on successful connections that are included in the 95.6%, because they are typically controlled by the user (password/MFA). Which is why that number looks higher than you'd expect!

      Sorry for the confusion there! I've passed your feedback along, so our team can look into how we communicate that number.

      Reply Like
  • Is there an ETA for resolving the PNC issues? 

    Reply Like 1
  • My recommendation: Do NOT choose PNC.  I have a credit union account (checking & savings) that works flawlessly.  My PNC acccounts... not so much.  Pick a bank that works with YNAB.   I'm transitioning everything to the credit union and will be closing my PNC accounts.  Not worth it.

    Reply Like
    • Hi Pink Pony ! When a financial institution makes changes to their online banking platform, changes need to be made 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).

      Connection issues can happen with any financial institution, but we do our best to work with our import partner to get them back up as soon as possible!

      Reply Like
  • @Pink Pony Haha, I just did the opposite. I love the theory of credit unions, but their implementation of services can be quite hit-or-miss. My last credit union gave me a lot of grief, and they actually kept the Credit Union own accounts *in PNC accounts*, so... I figured why not go with the source and eliminate the middleman? I would *love* to find a better Credit Union, because I like how tied a credit union can be to the local economy vs. a giant soulless megacorp like PNC, and I like the "customers are owners" idea, but I was faced with really bad fraud detection algorithms (false positives occurred very often) and their web site is reminiscent of  the web in 1998 that denied me access to my own money too often. And, sadly, my local crop of credit unions just have very poor reputations in terms of their electronic services, so I went the other way. YMMV. Cheers.

    Reply Like
Like1 Follow
  • 8 hrs agoLast active
  • 26Replies
  • 120Views
  • 13 Following