American Express Personal Savings or Capital One 360 Savings

Hi - I plan on opening a High Yield Savings Account in either one of these banks, do they link successfully (directly) with YNAB?

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  • I have a Capital One 360 savings account, and it does work. However, I did have to switch import companies from Plaid to MX to have it work correctly. MX doesn't do other accounts I use well, but the Capital One account is more important to my everyday use, so it works well for me.

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    •  I should also mention - I am required to enter a verification code each day with Capital One, but this doesn't bother me. It's pretty fast on the mobile app since you can copy the text code and paste it easily.

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    • Orchid Device I thought we had no choice but to use PLAID?

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    • Turquoise Hail If you find that you're having trouble, the support department can try to fix it. Eventually, Nicole suggested I transfer to MX by checking with those in the service dept. who were helping me originally.

      Sure enough, the accounts that would be poorly affected by MX didn't matter as much as those that were poorly affected by Plaid. They swapped the import partner for me and all was better.

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    • Orchid Device that is great to know.  I have 3 credit cards with Capital One and a savings, and plaid for some reason would not allow me to connect.  Personal Capital connects it and i do enter a 6 digit code daily but thats ok.  So I will contact the support department. thanks! 

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  • At 0.5% interest rate, I wouldn't exactly call Capital One a "high yield" account. I have one because of the $200 signup bonus, but I plan to close it as soon as the bonus posts.

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  • I'm earning 1.5%, not 0.5%.

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      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Orchid Device Interesting. I have the 360 Money Market that only pays 0.5%. I forgot the rate is variable, and 1.0% with at least $10k. Apparently their 360 Performance Savings is currently at 1.15% (no minimum) and a slightly better deal. Thanks for the info.

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    • dakinemaui My pleasure. At first, I thought I was wrong but verified it on my statement. :)

      It was 1.5% in April but dropped to 1.41% in May. I'll keep an eye on it myself in case I need to go elsewhere.

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  • Yes C One is currently 1.15

    I see CIT bank is 1.20% - does anyone use this bank successfully with YNAB?

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  • I use to chase rates but then realized nothing is good at 2% or less these days.  I now stick with Ally just simply because I like the way it looks.  They were 1.5% now 1.25% and soon 1%.  They follow the Fed and adjust accordingly.  Amex Savings and Capital One 360 Savings I also had before.  They are all decent enough for the boring emergency fund I believe. 

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      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 7 mths ago
      • Reported - view

      Lavender Harp Actually, Ally is down to 1.10% but who's counting? 😉

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  • I think I’ll go with Marcus. It’s at 1.30 and links to YNAB without a hitch

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