Bank of America importing seems *really* delayed

My checking account usually takes 8 - 12 hours behind the BoA website, but the really drastic account is my credit card. Importing doesn't bring any transactions, though I have one from 8 days ago and one from 4 days ago. Does the BoA credit card import only import transactions after their statement closes?

14replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Hi Khaki Unicorn (324af65c3529) !

    No, transactions should not take that long to import into your account. I'm going to reach out via email so we can gather a few examples and get our Direct Import partner to investigate! :)

    Reply Like
    • Faness I see that this issue was reported 3 months ago.  I was trying to link my Bank of America account to my YNAB accounts and it doesn't seem to work.  It acts as though it's working on it, but 5 minutes later it's still sitting there with no progress.  I even tried logging into my BofA account and then try to link it, but that also didn't seem to work.  Any tips?

      Reply Like
    • Hi LSchmittle !

      Sorry for the trouble! I took a look but I'm currently not seeing a Bank of America connection in your budget. When you have a moment, can you try re-adding that account? Even if the connection fails, having it listed in your budget will allow us to troubleshoot. :)

      Reply Like
    • Faness That's what I was trying to do.  I selected Add Account and then selected "Linked".  That's when it keep "processing" to no avail.

      Reply Like
    • Faness I just tried it again and now it's working. I was able to connect electronically and it added it to my budgeted accounts.  I don't know why it suddenly worked, but I'm happy it is! :)  Thanks !!

      Reply Like
    • LSchmittle Hooray! Thanks for letting us know. Sounds like a hiccup! I'm glad you were able to get connected. Let us know if we can help with anything else!

      Reply Like
    • Nicole at YNAB Thank you!

      Reply Like
  • I'll bump this. My BofA checking account doesn't import transactions until the early afternoon (EST)

    Reply Like
    • Hi Michael Paterson !

      I took a look and I'm seeing transactions imported yesterday, is that correct?

      It sounds like there could be a delay between the time you make a purchase on that card and when it's made available to YNAB. There are a few things that can contribute to this:

       

      - Weekends/Holidays: Most banks aren’t fully operational on non-business days. For example, if a transaction isn’t cleared before the end of the business day on Friday, it typically won't import until the next week.

      - Release time: Your bank may hold a transaction as “pending” for a day or two, even if the transaction is shown in your account online. We won’t import them while they’re still pending. Transactions are typically available to import within 24 hours of the time they clear.

      - Timing of import: We check for transactions in the wee hours of the morning, but there’s no universal standard between financial institutions for when transactions will post. This means transaction(s) may not have been available yet when we did our early morning check.

      - Loading time: When you first access YNAB, it can take up to 5 minutes for new transactions to show next to the 'Import'.

      With all of those in mind, delays of up to 3 days are not unusual. However, if you find you're consistently waiting 4 or more days for cleared transactions to import, there are a few possibilities we’ll need to explore. It might mean either there’s an issue with our partner’s integration or your bank may be on a unique release schedule. Either way, we’ll need to ask our partner about it!

       

      To help figure this out, let’s start by ruling out a loading/timing delay. If you’re waiting on cleared transactions to import, here’s the best way to do that:

      1. Sign in to YNAB and wait a few minutes. I know that can feel like an eternity, but it can take a little time to communicate with certain financial institutions.

      2. When an account has transactions available to import (or approve or categorize), you’ll see a notification dot next to the account name.

      3. If you don’t see a dot next to the account, check back later in the day.

       

      If still nothing appears, let me know and I'll reach out via email to gather more details! :)

      Reply Like
      • Michael Paterson
      • Software Engineer/Cloud Architect
      • devlife33
      • 2 mths ago
      • Reported - view

      Faness No I was just talking about what time of day they are available to import. BofA has processed/cleared my transactions very early in the morning (like 3 or 4 am I think) but those transactions won't be available for import in YNAB until late morning or early afternoon. It's not a huge deal, mind you but I prefer to do my budgeting first thing in the morning before everyone else wakes up.

      Reply Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 2 mths ago
      • 3
      • Reported - view

      Michael Paterson I'm right there with you-- best first thing in the morning! But why do you need to wait for BofA to import transactions? Just go ahead and enter them when you spend the money and then match them up with anything that gets imported later.

      Reply Like 3
      • Michael Paterson
      • Software Engineer/Cloud Architect
      • devlife33
      • 2 mths ago
      • 1
      • Reported - view

      bevocat that's a good idea. I'm still getting used to manually entering transactions!

      Reply Like 1
      • Michael Paterson
      • Software Engineer/Cloud Architect
      • devlife33
      • 2 mths ago
      • Reported - view

       bevocat So far I'm not a big fan of manually entering transactions as ynab doesn't seem to be matching the manually entered with the imported transactions and it's making me spend sooo much more time trying to reconcile. In addition, ynab doesn't seem to be letting me match transactions so I end up just deleting those that I manually entered.

      Reply Like
  • For some banks, the delay in importing can also be temporary. If you open your budget and wait 5 minutes, for some banks, you'll see transactions import after that. 

    Reply Like
Like1 Follow
  • 1 Likes
  • 2 mths agoLast active
  • 14Replies
  • 169Views
  • 7 Following