Trouble Connected TD account

I cannot begin to start using the system as it will not connect to my TD account. I am using the same information to log into the TD website just fine. Will I ever be able to use YNAB?

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  • Hi Hot Pink Sloth !

    TD Bank recently made a few changes to their online web portal, which has thrown a wrench in direct import. We’ve reported it to our Direct Import partner and they're working on a solution!

    While we hope it will be fixed within a couple days, it could take a couple weeks depending on the complexity. 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, enter transactions on the go with the mobile app and try out File-Based Importing in the web app - a super quick and easy alternative to direct import and manual entry! It allows you to drag and drop a file containing your transactions right into YNAB. :)

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

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    • Faness at YNAB Unacceptable that this problem persists

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    • Hi Blue Device !

      Sorry you're still having trouble! TD Bank's recent update was a big project on their end and didn't go very smoothly. Our Direct Import partner is trying to adjust to the changes as fast as they can, but with TD Bank just recently getting their own systems back online, it may take our Direct Import partner a bit more time.

      Reply Like 2
    • Faness at YNAB Thank you for working on this!!! It's driving me crazy and makes me realize how much I LOVE yanb!!!

      Reply Like 3
  • Hi! Is there any update on direct imports of TD Bank transactions? It still seems to be down.

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  • I unlinked and just did a direct file import for now.

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  • This issue is driving me CRAZY! Thanks for working on it!!!

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  • Update, please?

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  • Same issue with me. Just can’t connect. I had the same problems back in2017 when I trialed YNAB then. There are no problems with mint or MoneyWiz. If I just manually import then I may as well use another system that is cheaper. This has been going on too long

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  • Faness would be nice to have an ETA, it's been over a month.

    Reply Like 3
      • thebeardedjourneyman
      • With great beard come great responsibility
      • thebeardedjourneyman
      • 1 yr ago
      • 1
      • Reported - view

      Cyan Rhythm Agreed.  Still cannot link.

      Reply Like 1
  • Hey guys! Darn, I hate to be the bearer of bad news here, but I know you all are waiting for an update. 😢

    We’ve learned from our Direct Import partner that the issue with TD Bank USA is going to be a complex and time-intensive issue to resolve. It sounds like TD made some upgrades to their platform and authentication process, which are wreaking a bit of havoc for many (or at least, it's what this video on TD’s website has led us to assume!).

    Given the large number of people this is affecting, our Direct Import partner has assured us it’s at the top of their priority list. While we’re optimistic they’ll be able to repair the integration (again, given its size!), but they weren’t able to offer us a timeline on a fix. It could be anywhere from a few weeks to a few months.

    I know this is not the news you were hoping for. It's certainly not news we enjoy sharing, either. We know what a big deciding factor Direct Import is when it comes to subscribing (or continuing to subscribe) and we very much dislike the thought of letting you down with this.

    To stay on top of things in the meantime, we hope you’ll give File Based Importing a try — along with using Upcoming Transactions for recurring expenses (rent and utility bills) and our Mobile Apps for recording spending on-the-go (gas and groceries).

    We’re truly sorry for any and all budgeting disruptions this causes you. If you have any questions/concerns/comments, please don’t hesitate to reach out to help@ynab.com or ping us here!

    Reply Like 1
  • Ok. The problems also exist here is Canada. We have no issue accessing our accounts AND other Financial apps have no problems connecting. Ie: Mint and MoneyWiz. So really what is the problem?  YNAB should give it’s costumers 3 or 4 free monthly credits for all the time and aggravation since this issue has been unresolved 

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  • Thanks for the update!

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  • I'm in the U.S., and I am not able to connect to TD Bank with ANY of my financial applications (YNAB, Personal Capital, Mint), so I am guessing that the security issues and/or other connection hoopla that TD Bank implemented recently may be different on the US side of the border than it is on the Canadian side.  Just another reason to move north....

    Reply Like 1
  • TD bank USA is failing on Quickbooks too. It's a known issue and very widespread per a few minutes googling the subject.

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  • Mint is connecting to my TD Bank account tonight after weeks of problems.  Maybe YNAB will be able to connect soon also......please......

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  • im about to subscribe to YNAB but theres no sense if it cant track my main financial institution!!!

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    • Cadet Blue Mill I am dealing with the same situation.  I am just starting YNAB, but I am exporting/importing from my tdbank manually.  It is not as easy, but still easy enough to not prevent me from getting started.

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  • Guys - I'm starting new here and same issue.  It's been over 6 months from the first report of this issue and it's still not resolved?  Not a great start to my trial.  Any ETA for a fix?

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    • Magenta Dragon it’s been working for me for a few months now. Maybe since June or so.

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    • Hi Magenta Dragon !

      Sorry you're having trouble! Our Direct Import partner is still working on things, but we're hoping to see all accounts back up and running soon! We're seeing those connection rates rise so keep giving things a try in the coming days and let us know if it doesn't kick in. :)

      Reply Like
  • Any updates on this? I just signed up for YNAB, but my main bank is TD bank and I can't seem to add this account. Seems pointless to use the app if I can't add my main account to the budgeting system. 

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    • Turquoise Wrench Sorry for the trouble! Our Direct Import partner is still working on this issue (you can check our status page for updates).

      In the meantime, you can still get started! You can do this by selecting Add Account and setting it up as an Unlinked account from the start. Then once our Direct Import partner gets the issue resolved you'll be able to link 'em up.

      We have a few other features to help make entering transactions easy and fast:
      - File Based Importing
       - Scheduled Transactions
       - Mobile Apps

      Let me know if there is anything I can do to get you started!

      Reply Like
  • I was disappointed to find that TD was inaccessible when i started using YNAB about 5 months ago. I had to "hand-jam" all of my transactions to keep everything sync'd up. But now that I revisit the topic, I realize that I'm far more disappointed with TD than I am with YNAB, and on a broad spectrum of issues. I'm going to search for a new bank that actually interoperates with YNAB. For the amount I'm paying TD to grant me the privilege of allowing me to let them hold my money, I should expect better service, and I'm not just talking about the YNAB interface failing.

    Reply Like 1
    • Blue Disk Though I'm happy your disappointment lies outside of YNAB, I'm sorry you've had such a poor banking experience. While our Direct Import partner is still working on this issue, and we hope to have all TD Bank connections back up and running soon, I understand wanting more from a financial institution. In the past, I paid to keep my bank accounts open with a large branch, then realized a credit union would pay me instead while being much more personable. I hope you find what you're looking for and if there's anything we can do to help, please don't hesitate to let us know!

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  • Add me to the group of YNABers who are frustrated at the lack of speed in resolving the TD Bank import issue. While others besides Intuit (for example, Personal Capital) support linking with TD Bank USA, YNAB's import partner is not able or willing to solve the issue after 6 months and YNAB is not able or willing to make it a "must-fix" bug.  My conclusion is that YNAB has decided that there aren't enough TD Bank YNABers to make solving this important and has chosen to broadcast the message, "it's not our fault, but the fix is coming". Is it really coming? 

    In the "managing expectations" category, the other frustration is that your status page ( http://status.youneedabudget.com/pages/incident/570bf4ac3f22d07560000b1e/582aedbf6d3eb6c820000141 ) marks TD Bank USA as operational even though your GUI blocks setting up a link with TD Bank. 

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  • Faness Jannelle How is this still an issue? Blaming TD Bank is nice and all, and that may be where the initial fault lies, but at some point YNAB needs to take responsibility that they aren't providing their customers with the most basic service, and one of the biggest draws, of their platform. 

    I just recently joined back up with YNAB, and immediately after paying my 45 dollar fee, I now realize I can't even use the program. If I wanted to manually import data, I'd use an excel spreadsheet. 

    After researching this problem on your forums, when this issue first cropped up in February (!), YNAB's support team said it would take a few days to a few weeks to solve. Then, a month later, you said it would take a few weeks to a few months to solve. Well, it's five months after those messages, and not only is it not solved, I haven't found a single concrete piece of evidence that even shows actual progress is being made; just vague promises that they are working on it. Intuit apparently figured this problem out 5 months ago with Mint. Are we honestly supposed to believe the #1 Priority item facing your team has not been able to be solved in 6 months? Why haven't you fired the team and got a new team then? You want us to believe that TD Bank's update is so cryptic and complex that it can't be solved, while supposedly working with TD Bank, for over 6 months? That's kind of insulting. 

    I really liked YNAB when I used it prior, and would like to get back to using it again, hell, I just paid for it again, but this leaves a pretty poor taste in my mouth. It's not even the issue at this point, people roll out updates all the time without regard for third-party developers. So I get that. But this time frame is simply unacceptable, and as mentioned before, is insulting, as it relies on us just believing that it's the #1 issue. If this is actually true, than how little does that say for the competency of the team and software as a whole, that the #1 priority issue can't be fixed in half a year? 

    How about a straight answer on this for once instead of obtuse side-stepping on the problem and it's solution. I really don't want to go over to Mint, but this issue not being resolved is basically forcing me to. And even if it gets solved, it doesn't exactly make me excited to come back, given my lack of confidence that future errors will get fixed. Also, it's free, so my tolerance for issues is certainly higher. There have to be enough TD customers that this should be a serious issue for you guys, but from our end it sure doesn't seem like it.

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  • Hi Slate Blue Tugboat SirSpidey , 

     

    I know we must sound like a broken record at this point, I can feel it too! When this issue was first reported, we had no idea the extent of the changes that TD Bank was making (heck, I don't think even TD Bank did!), so we handled it as we would any other direct import issue, and gave an rough estimate for a fix. As the situation unfolded over the coming weeks/months, we can honestly say in the almost 3 years YNAB has offered direct import, we have never seen a direct import incident of this scale. We hate making promises that we can't keep though, and we feel terribly for disappointing so many YNABers with our initial scope!

     

    As a bit of background, we currently work with three different Direct Import partners, and the one who your accounts are under is Quovo.  They are the ones currently in talks with TD to establish a partnership and get their connection back online, and it's one of their top priority fixes. Of course, I don't have all the nitty gritty details, but here is their latest update (which I also mentioned in this thread):

     

    "Quovo's Partnerships team has been in contact with TD Bank to resolve the issue and ensure accounts sync consistently since we first noticed the issue in March. We're currently working with senior leaders at TD to complete the necessary onboarding reviews that they are implementing as a part of a new protocol for all aggregators. We are currently waiting on the TD team to approve an evaluation that will allow TD users to reconnect their accounts through Quovo as a part of the final phases of this process. "

     

    Since we also work with two other Direct Import partners who have connections to TD (to be clear, they aren't all 100%, connection rates are still rocky), the status page is meant to reflect an average of all three.  You're right though, it's a little disheartening to see "Operational", when it clearly isn't, so I'm going to update that! Thank you for bringing it to my attention. 

     

    As a bit of background on Mint - to be honest, they do most direct import stuff with less seams because they have lots of money and technology behind them. They're owned by Intuit, who used to own Quicken. So if you're ever wondering why all your banks are willing to provide your data in the proprietary QFX format, it's because there's a billion dollar company behind that magic (not that you *were* wondering that). In the words of my co-worker Michele, "They're like the best dancer at the prom and all the banks will bend over backwards to dance with them." 😆

     

    Anyway, I know that doesn't help with the immediate issue at hand, but I hope at least the extra info does! Let me know if you have any questions. 

    Reply Like
      • SirSpidey
      • Spring_Green_Sloth.1
      • 6 mths ago
      • Reported - view

      Jannelle Thanks for the details. It does help to know more about what's going on. I do agree with Slate Blue Tugboat that we shouldn't have to suffer with Quovo if other partners are successfully connecting to  TD Bank. Moving us to other partners makes us happy and perhaps lights a hotter fire un Quovo. 

      Reply Like
  • Jannelle said:
    Since we also work with two other Direct Import partners who have better connection rates to TD (this is also why some users are connected to TD, while others aren't)

     So then why aren't we all using the other importers until Quovo gets its sorry act together? Who or what criteria decide who gets to use the features they paid for while other users don't? What it looks like you're telling me is some of these saps who have been waiting 6 months for their import feature to work apparently could have been switched to another direct import partner and had access to the services they paid for for months now?

    As a consumer of a service I only care about two things mainly; price and who does it better. I don't really care who has more money to throw at the problem, as long as Intuit isn't sacrificing animals to make TD import work, it doesn't matter to me what's going on in the back-end. I used quickbooks professionally for a while in the past; it just worked. It didn't matter to my employer who had more money to build a better software or who had more men working on an issue.  There is no way that this would be an acceptable answer at a corporate/business finance level, and I'm not sure why YNAB thinks this is an acceptable answer just because it's at a personal finance one.

    Since Mint is clearly winning on this issue from all angles, it seems like the right idea would be to cancel YNAB and go with the Mint, which not only actually works, but is free. If you guys were comping TD customers for the months in which the service didn't work, that would be one thing, but since after talking with the help desk, they are not, it seems like Mint is the right choice going forward.

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    • Hi Slate Blue Tugboat !

      I hope you don't mind me jumping back in here! 

      We didn't mean to offer the above as an answer, but as an explanation. We prefer to be transparent where we can so that users know where we are and what we're doing to improve. Connections with TD Bank are rocky across the board for all of our Direct Import partners. Quovo, the provider your accounts are linked through, is being the most active when it comes to this issue by building a direct aggregation to TD Bank - once it's finished, connections should be more stable and we should see much fewer issues (and hopefully never one of this magnitude). We've switched users who are having trouble with TD Bank to Quovo, in anticipation of the day they finish their repairs. While we don't want to point fingers, because we understand that in the end it doesn't matter who's letting you down (us or our partners), we're doing as much as we can to repair this connection.

      All of that being said, YNAB isn't a data aggregation company. We outsource this avenue in order to leave it in the hands of those more experienced, while we focus on what YNAB is truly here to do - help you budget. Even without direct import, you can still get the full benefit of using YNAB. However, if this is truly a deal breaker for you, we understand. If you'd like, I can reach out via email to discuss refund options.

      Reply Like
    • Faness If I am reading both yours and  Jannelle post correctly, she is saying that Quovo is the worst of the three, and you are saying Quovo is the best of the three. She says here:

      Jannelle said:
      Since we also work with two other Direct Import partners who have connections to TD (to be clear, they aren't all 100%, connection rates are still rocky),

       This implying that the reason the TD page says operational is because the other two importers are working better than Quovo. Yet you say: 

      Faness said:
      We've switched users who are having trouble with TD Bank to Quovo, in anticipation of the day they finish their repairs. 

       So if Jannelle's information is correct, then you are switching people off of partners who are working and onto the one who isn't? Or is the other YNAB staff member incorrect? Are you taking us off of partners who are working now to the one that isn't because they "should" be better in the long run. Are we sure you don't mean "cheaper for YNAB to pay because they are failing in their one job?"

      To this point:

      Faness said:
      Even without direct import, you can still get the full benefit of using YNAB.

      No we cannot. Direct import is part of getting the full benefit of YNAB. It is the FIRST THING on the list of features when you go to https://www.youneedabudget.com/features/ .

      I would love to continue to use YNAB. This is why I asked your help desk if they could comp us (going forward, not even back-dated) for the time YNAB isn't working. Instead I was told they would just refund the money and I would not have access to YNAB any longer.  Since YNAB claims to want to help people get control of their money, I felt that this is a fair option, both consistent with their mission statement, and a crowd-pleaser and loyalty builder, which is important especially when there are many competing services out there. I'm flat out not paying for YNAB if direct import doesn't work, so YNAB isn't losing any money. If YNAB would let us use YNAB for free (while it's not working for TD clients) since YNAB isn't providing the services we are paying it for, and then charging us when the software we paid for is working correctly, not only does YNAB help me budget, they also build goodwill towards a product and integrate their software with my life, leaving me more likely to continue to pay for it for years to come. 

      Instead they do none of that; they blame TD, they blame Quovo, they blame Intuit for being better at their jobs than YNAB is and fixing problems sooner than SEVEN(!!!!!!!!!) months later. I'm not sure what more YNAB needs to know about who's responsibility it is to fix this problem.  It's not the people who caused it (TD); it's YNAB. 

      I've already cancelled my YNAB and switched over to Mint. I am not AT ALL happy about it,  but it's better than supporting a company with my money that can't be bothered to get together with the 8th largest bank in the US and bang out a solution in a reasonable time-frame. I initially told the customer service rep to reach out to me when YNAB was working correctly and that I would come back then...after these interactions I'm seriously reconsidering that sentiment. 

      Reply Like
  • I can't begin to express how disappointed I am that I'm encountering this same issue with YNAB that I experienced with Mint.  Yes, Mint eventually fixed it, but there was a cost.  In the process it broke my account connections and fubarred my transaction history and my goal setups.  I de-linked all of my accounts and left Mint.  I've been looking for a replacement and decided to try YNAB.  Thankfully I didn't spend any money on it yet.  I go to setup my accounts and I find the same damn issue.  YNAB can't link properly.  I do a quick search and find this thread that is months old with mostly handjob replies to pacify users, but no happy ending.  I don't use tech to do manual work and to be told to do file imports to be able to use this app is crap (esp. file imports that have to be done on the web and not with this app).  I'm uninstalling this app too and continuing my search.  Please don't reply to this post.  There's no point.  Yes I'm not happy with TD Bank either and will eventually leave them too.

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  • i signed up for Ynab and deleted my account the same day. Great service.

    Reply Like 1
    • Hi Pink Filly !

      We're sorry to hear you cancelled, but we understand that direct import is a huge factor for some users. We hope you'll consider giving YNAB another chance once TD Bank is back up and running! :)

      Reply Like
      • SirSpidey
      • Spring_Green_Sloth.1
      • 3 mths ago
      • Reported - view

      Faness TD Bank is not up and running for me. I just tried to link accounts and YNAB's connection doesn't recognize my credentials even though they work on the web site.

      Reply Like
    • Hi SirSpidey ! 

      Sorry for the confusion! TD Bank is still being worked on. We're hoping to see it back up and running in the near future.

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    • Faness So it still hasn't been fixed yet, as i signed on to YNAB today and i think i might cancel today as well. 

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    • Hi Purple Hammer !

      I wish I had better news, but sadly, that is correct. Our Direct Import partner let us know just over a week ago that TD Bank responded to them with feedback on their new platform integration. Our Direct Import partner is working on the suggested changes and we're hopeful that means a solution is nearing!

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    • Faness Is there a way to pause my free trial or get an email notification once you have TD Bank direct import working again? TD is my main bank and most of my transactions are through there. 

      Reply Like 1
    • Hi Silver Yearling !

      There isn't a way to pause your trial, but if you send us an email we'd be more than happy to extend it or restart it once you're ready to give it another spin! We can't say exactly when TD Bank will be back up and running, but we're hoping for good news in the new year! :)

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  • Need TD Bank integration to work!

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    • Green Pilot We're hoping it will in the near future!

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  • I've read this entire thread when I justbtried to connect my TD account. So I hope it gets fixed, but, I am curious what Bank(s) is/are the best ones that connect to these types of 3rd party platforms with little to no glitches? 

     

    Seems TD is a complicated mess here. And it's not entirely YNAB's fault, but I am curious what DOES work because as frustrating as changing banks is, that aggravation saving time elsewhere is helpful.

     

    That said I'm debating a business bank account with Ardent. Is it supported? 

    Also now that I read YNAB is a subscription option, I don't know if I activated my free trial by "trying" to link my accounts. Is it possible to have that re-started once this TD thing is better? 

    Reply Like
    • Hi Pink Banjo !

      We try not to suggest any specific banks, mostly because things change. Before TD Bank changed their online portal the connection had a great success rate - however, after they changed their portal, all of our Direct Import partners have struggled to rebuild their integration with TD. 

      I took a look and I see Ardent Credit Union - is that who you're referring to? It looks like direct import is supported, but in some cases business accounts use a separate log in than personal accounts. Just to be safe, double-check with Ardent to make sure their personal and business accounts use the same log in. If so, you should be good to go! :)

      Also, yes, we'd be more than happy to give you time to try things out once TD is back up and running! However, we can't say for certain exactly when that will be!

      Reply Like
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