USAA auto syncing

Since I use USAA's CyberCode Text for login, and since all members of USAA will be moving to MFA in the near future, can we have the option to turn off auto-syncing? Connections to USAA are never going to work without my direct involvement, so it's always going to fail. It's frustrating when I try to manually sync but I get the message saying that either I took too long to provide my creds (when it was auto-syncing) or YNAB gives me a link to make sure I can connect to my account via the website. I know I can connect via the website and their app. I am in the habit of doing that before trying to sync with YNAB anyway because of all the past connection issues. It would save me a lot of time if YNAB would only try syncing to USAA when I specifically ask it to. 
 

I love using YNAB and the app is great, but the syncing with USAA is a real hassle.

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  • I contacted support about this.  They unlinked my account then I had to link it back.  That worked for a day and then it stopped working again.  I keep getting the please wait or credentials not correct.  Every so often I get it to ask me for my 2FA then it tries to sync.  It's hit or miss.

    I said this in another thread but I have other banks that use Plaid and I do not have these issues.  The new Google Pay uses them too and so far no issues with it there either.

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    • VoltaicShock - Yeah, linking the account again isn't going to fix the issue and it's a horrible short-term solution. 

      Like 1
    • Magenta Hammer I agree.  Just not sure of a better solution at this time.  I noticed that one place is using the new way for Chase where it pops up a chase window and you log directly into chase then it syncs with them.  It's Chase's way of controlling who has access to your account.  I also saw this for USAA too but not everyone is doing this new way yet.

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    • VoltaicShock That workflow is called OAuth, and we're supporting it already for some YNABers who use Chase, and I hope it's going to come to USAA early next year. Once we get that up and running, it's going to be an enormous change in terms of Direct Import reliability, but until then, USAA will continue to be a very frustrating connection.

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    • Matthew Seems USAA has been updated.  I just tried to sync and it shows the new way.  It also worked as expected!

      Awesome Job!

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    • VoltaicShock I noticed it, too! The syncing was seamless this time around and worked great! I'm gonna be thrilled if it works this way from now on, haha.

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    • Matthew any update on this? When connecting my USAA account, it didn’t send me to USAA’s website to authorize like it did for my Chase account. It just asked for my username, password, and pin through the Plaid integration.

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    • Orange Song yes actually. I called USAA about the problem and they asked me to switch to using cyber text rather than the cyber token method of 2 factor authentication. Here’s the other odd thing they asked - change my USAA password to only have letters and numbers - no special characters. 
       

      After doing both of those things, unliking and relinking my usaa accounts to YNAB - it’s been working perfectly. 

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    • Orange Song Currently, USAA isn't enabled for OAuth on Plaid. You can always email us in Support to see if you're a good fit to switch to our other import provider, Mx, who does currently support OAuth for USAA.

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  • I'm continuing to struggle with USAA synching. The only way to get YNAB to download transactions is to unlink my account in YNAB to USAA, remove the USAA connection, re-add the USAA connection, re-link the USAA account to my YNAB USAA account. I have to repeat this 4 step process anytime I want to sync. It only works once. I see Matthew mentions USAA workflow updating to Oauth but has anyone confirmed that has occurred for all USAA users? Some users? etc...? 

     

    Thank you

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    • Turquoise Wizard I was offered the new way to link and since then it has just worked.  I haven't had to put in my credentials again since they moved over to the new way.

      Has it not asked you for that yet?

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  • When I go through the linking process, I'm asked by Plaid for my username, PIN and password which is my PIN+Cybercode token. That's the way it's worked for a long time. What's the "new" way like that you are presented with? 

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    • Turquoise Wizard It used to have a notice that they were changing the way you connect with third party accounts.  I can't find it at the moment but it looks how Chase does it.  You open a page that is owned by USAA and type in your credentials then it says do you want to share your data.

      When I connected I got a message from them:

      > YNAB has been connected to your USAA account. To manage what apps are connected to your account, view your USAA Profile.

      Check your profile.  I think they are still working on it though.  You will see connected apps.

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  • Interesting. For the entire month of November USAA had a banner on their site saying they were implementing changes to the online experience. I never did see any changes or updates but maybe this was what they were referring to. 

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    • Turquoise Wizard Correct.  I am able to use that feature now and have had no problems with syncing my data.

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  • My husband and I both have USAA credit card accounts we track in YNAB.  We don't have much activity on either account.  Mine works seamlessly, and his has issues.  From this I'm guessing that my account was updated and his wasn't.  Looking forward to this being implemented for all users by USAA.

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  • I would recommend against unlinking USAA and re-linking accounts. I was trying to do that weekly to get updated transactions but it's lead to old transactions getting wiped and new starting balances getting added that are incorrect. Hopefully OAuth support will be enabled for everyone soon.

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