"Pending Transactions" import feature breaking my budget

I have not posted in quite a while, but this new Pending Transactions feature is breaking my reconciliation process.  I just sent the message below to the help email, but thought I'd share here and see if anyone has a similar experience.

It appears to be a new feature, so if not familiar here's the help topic: https://www.youneedabudget.com/pending-transactions/

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I just started my daily morning check/import of my bank transaction in YNAB.  I found the new “Pending Transactions” feature and it seems to have completely broken my reconciliation process.

I have already, for years even before YNAB, had the habit of recording my pending transactions for exactly the reasons you seemed to have implemented this “feature.”  Then when I download new transactions, generally the new posted transactions will match my entered transactions, be marked as cleared, and I click reconcile and am finished.  Then I compare any of the few remaining pending transactions in my bank window with YNAB and add any missing transactions.  Occasionally 1 or 2 transactions get to posted before I enter them, and they get pulled in accordingly.  These are easy to spot and recognize. Repeat the next day.

Now I see three things:

  1. Some items that are in my “posted” window but not in YNAB have imported as “pending transactions” even though they have posted.
  2. Items that I have recorded in YNAB but are still pending in my bank are marked as matched, even though they have not yet posted.
  3. NOTHING is marked as “cleared” automatically, the most important benefit of the transaction download process. 

Combined this has changed at most a few minutes of my day and made it into a manual chore that I was using YNAB to eliminate.  I now have to evaluate each transaction to determine which is posted or pending and determine it’s cleared status. This used to be automatic.

I was hopeful when the help document had a section on if I don’t like it, but it appears all I can do is hide that section.  I want to actively turn it off so my bank transactions come in as they used to. If that feature exits I cannot find it.

Generally I’ve like YNAB since the move to web and have adapted to many of the changes, but this fundamentally changes how transaction import works to a point where it is all but useless to me. Is there any way to turn this feature OFF!

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  • Hi all! There is trend in the thread, and I wanted to post a few quick updates:

    Pending Transactions (Direct Import issue)

    When duplicate transactions are importing as cleared in your register (with the same, or different dates), it's an import issue with the bank connection. This could happen before, but it sounds like some bank integrations need adjusting and are adding to the confusion. We can help!

    If you're seeing duplicates, grab a quick example and our importing team will get it sorted out. You can report a Bank Importing Issue here and they'll follow up via email shortly.


    Pending Transactions (the feature) will show pending transactions in an account if the financial institution provides them. More details on the in's & out's here!

    If they're an option for your bank, the pending transactions appear in a separate section, like this:


    Transactions in this section won't impact your register. When you choose Enter Now to add them, you'll see a clock icon and they'll be uncleared.


    We're using a measured release to keep a close eye on things as a feature rolls out. As we have news, the thread in Announcements will be updated! And of course, our team wants to know your feedback. Send us an email, or submit here. Thanks all!

    Like
    • Nicole I had this issue and what I noticed is there is a posted date and a transaction date, it seems that if the dates are not the same then it comes as a duplicate even though it's the same name/amount.  Not sure I can get it back in sync now.  I will report the issue.

      I have seen this with airline tickets if you say buy 4 tickets and they import it imports just one sometimes since they are all the same price.

      Like
      • bobbucy
      • Tomato_Snow_237e7f17927
      • 4 hrs ago
      • Reported - view

      Nicole OK, I read the in's & outs of pending transactions which is very well done.  I particularly enjoyed the discussion of digital carrier pigeons and how things work at the bank.  I once took a business law class on the Uniform Commercial Code which included bank clearing regulations.  It is the ultimate cure for insomnia.

      Like
  • 1. You can match pending transactions to existing pending transactions. 
    2. The transactions which have posted will download again once they have posted.
    3. A pending transaction is just that; pending. It won’t import as cleared. When the transaction posts AND YNAB picks it up, it will download again as cleared.  

    Like 1
  • And a thought on your process...using import is to prevent having to look at your bank so often. I wouldn’t use both a manual reconciling process and direct import. That absolutely is double the work.  Let import deal with your transaction clearing, and compare them to the bank less often, at the time when you actually mark your budget as reconciled. 

    Like
    • WordTenor No, not really extra work.  I just record in the app as they happen, mostly.  The occasional transaction doesn't make it.  Morning coffee and reconcile the previous day's transactions is less than 5 minutes.  Then I forget about it until the next day, other than recording transactions in the app as they happen. 

      Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 if you’re comparing directly to your account every day, there’s no need for import. All import does is compare to your account every day. 

      Like
  • It does not appear to be working that way today.  As I said.

    Bank shows a transaction as posted, it imported as pending. This is incorrect. It should have been imported as a posted transaction and marked cleared

     

    On another transaction I did not mention, I already recorded a transaction. It  is no posted in the bank. Import should have matched and marked as reconciled. It did match it but did not flag as cleared.


     

    Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 If you’re only looking at the last 24 hours of data and yesterday you carefully cleared everything up through yesterday, then it’s a coin toss/depending on your spending speed as to whether there are any new cleared transactions to download. It sounds like you unluckily landed on a day when you don’t have any cleared transactions. 
       

      I’ve been beta testing this feature for a couple of years; I promise you I’m right on this. 

      Like
  • I absolutely DO have new cleared transactions.  My $700 car repair bill stands out as Pending yesterday and posted today.  It matched but is not cleared.

    Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 And this is a transaction which normally, YNAB would not have even shown you. It takes another 24 hours or so for the importer to pick up the cleared transaction. So you would’ve seen it download tomorrow as cleared. But now you're seeing it download today as pending.  

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 If this has been your process for awhile, surely you’ve noticed this before. Where the bank shows something has cleared and YNAB hasn’t downloaded it for you yet. This is very common.

      Like
    • WordTenor I have been reconciling with my bank with YNAB and direct import for as long as that has been an option. I know how my bank transactions have come in. These transactions absolutely would have come in marked as cleared today.  Of that I am absolutely sure.

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 Okay, we’ll complain away. Look tomorrow though, because you’ll see exactly what I'm telling you will happen happens. Have a great day! 

      Like
  •  

    The items in green imported as cleared yesterday.  The items in orange SHOULD have imported today.  Those are dated 10/8.  That seems to fit what you're saying about 24 hours.  The items in yellow are still pending and I would expect to not have been imported at all before this.

     

    Today, the yellow $300 item was previously entered and marked as matched but not cleared.  That's overall fine, if the rest was working.

     

    The $700 item in orange was previously entered. It was matched but not marked as cleared.

     

    The $43.23 item was not previously entered in YNAB.  It was imported as Pending but is not.  Again, before today that would have been imported and marked as cleared. Transaction matching would have categorized it properly, and that did not happen either.

     

    The top pending/yellow item wasn't even brought in as pending. That's my paycheck (why it's completely blacked out) and is a scheduled transaction.

     

    I was expecting all the orange items to have been in YNAB, either matched or added if needed, and marked cleared. NOTHING was marked cleared, and how they were entered varied item by item. The difference between being marked Pending and Posted by my bank in the import process has been VERY consistent.  Once it's posted, it's imported immediately. 

    Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • Reported - view

      kmorgan221 24 hours after 10/8 is 10/9. Which means it will be picked up on 10/9, maybe, depending on when the process runs. So then you have to open your budget on 10/9 after the process runs, which might be later in the day. Some banks take another 24 hours to get transactions into a state where the process picks them up. 

      Like I said, you have noticed this before, whether you realize it or not. But also, if you are truly hand-comparing your transactions to your bank daily, I absolutely agree with you--don't use the pending transactions feature. It truly is double the work. Don't use import at all. The purpose of direct import is to obviate the need to look at your bank account so often. If you are bringing up your bank account side-by-side with your budget daily or even every few days, you are a manual transaction entry user and should not use direct import. 

      Like
    • WordTenor Today is 10/9 😄  Hence my confusion.  Fortunately it's resolved now.

       

      I "semi manually" compare.  I let direct import match and mark complete (vs manually) and compare the cleared/posted balance to reconcile.  I only dig deep when there's a mismatch to find the error. Not a big deal when done daily. Whole process is generally under a minute. Unless the mobile app or something triggered a check earlier than 8 hours before, then I have to wait. 🤷‍♂️

      Like
    • kmorgan221 The pending transactions feature definitely shouldn't have any effect on how long it takes cleared transactions to import—if they do seem to be delayed compared to before the feature debuted, please get in touch with support and we'll take a look!

      Like
  • And if what you're saying is correct, then my reconciliation will now be 24 hours later than it was before.  Which is equally unacceptable to me.  Lovely. 

    Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • 1
      • Reported - view

      kmorgan221 You are looking at your bank every day. Clear the transactions which are cleared and be done with it. You're using a manual process; you reconcile when you mean to reconcile. 

      Like 1
  • Sigh - OK....I was wrong. It works as intended and I jumped the gun.  My error was with my original premise.

    Yesterday was a busy day at work and I did NOT import my transactions as normal. So the transactions I imported this morning originally were the transactions waiting from yesterday.

    Just a few minutes ago todays transaction imported and everything worked as expected.

    And WordTenor I found the combination of manual and direct works well for me.  I get real time look as I enter, but acknowledge I'm human and miss thinigs.  Direct Import matching works great and auto marks items cleared, and catches things I miss.  And because I do this every day the mismatches are minimal and easy to resolve. 

    Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • 2
      • Reported - view

      kmorgan221  I hear you, and what I'm pointing out as the direct import is meant to support the workflow of someone like me, who is not looking at the bank every day. I manually enter most transactions, let import clear them (and now I let import pick up pending transactions I missed/forgot about) and then once a month or so I go in and verify that the cleared balances match and lock off the account. 

      If you're comparing every day, you don't need DI. You can use it, but it is truly duplicating effort. 

      Like 2
    • WordTenor is the duplicated effort that needed to manually clear or enter+clear whatever transactions are in limbo (cleared at the bank but not yet imported)?

      Like 1
    • dakinemaui IMO, or at least in my case, it doesn't duplicate anything at all.  It automates the next step of marking transaction cleared, automates adding transactions missed, and highlights mismatches or otherwise incorrectly entered transactions.  At least when done daily and the number of transactions are relatively small. I can't imagine trying to find mismatches/errors like that on a monthly basis.  That would be significantly additional or duplicated work.

      Like
    • kmorgan221 said:
      It automates the next step of marking transaction cleared, automates adding transactions missed, and highlights mismatches or otherwise incorrectly entered transactions

      Yes, that's the importing workflow working correctly where the lag time has elapsed. I don't think anyone is discounting those benefits.

      The problem is those things do NOT happen for anything caught in the lag-window. Therefore, if you want to reconcile -- the bank's balance doesn't care about the lag -- then YOU have to do those things. Process-wise, it's a little confusing, because sometimes the balance matches right away (nothing in limbo) but sometimes it doesn't (something is stuck in limbo).

      Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • 1
      • Reported - view

      dakinemaui 

      dakinemaui said:
      The problem is those things do NOT happen for anything caught in the lag-window. Therefore, if you want to reconcile -- the bank's balance doesn't care about the lag -- then YOU have to do those things. Process-wise, it's a little confusing, because sometimes the balance matches right away (nothing in limbo) but sometimes it doesn't (something is stuck in limbo).

       This, yes. This is the duplicated effort necessary when you're reconciling manually every day. There's a 24-48 hour lag in the importer, so you have to set YNAB to match the bank manually, at which time you've already dealt with the transactions so the import isn't actually changing anything. It's confirming something you already confirmed. If you're going to confirm it manually, there's no need for DI. It doesn't hurt anything except that obviously here it has caused some confusion, so... there's that.   

      Like 1
    • WordTenor said:
      If you're going to confirm it manually [DM: every day], there's no need for DI.

      Got it. With daily reconciliation (my addition to the quote), EVERYTHING will be caught in the lag window. You will have always done the work of clearing or enter+clearing, in order to reconcile to the bank's balance -- which has no lag. There's nothing left to do by the time import comes along.

      Like 1
    • I think we're arguing semantics at this point.  I don't "see" a 24 hour lag other than the time it takes for a transaction to move from Pending to Posted on my bank website. (see the image earlier in the thread). Again, semantics, I think we're talking about the same thing.   All those transactions that are dated 10/8 appear in Posted today and were in Pending yesterday.  And I expected the import/match into YNAB today, not 24 hours from now, which it did.

      Now, I've seen banks that don't clearly show that, and all you see is a list of transactions and really don't know which is Pending and which is Posted.  This may or may not be what we're talking about when we mean the lag.  

      As for double work, I really don't see what you mean by that.  I never have done anything twice. Transaction get entered once (either manually at time of transaction or later when I see it pending) or on import.  Direct Import just verifies my work and shows me what I missed.  Now with Pending transactions it even adds those I miss, so it will save me time.  This is what I expected when I read about it, and is what I got once I understood what was actually downloaded and when (I stated it earlier, but my first pass was old date, todays import came later after this conversation already started).

      Regardless, my issue is more than solved and no more value is added going round and round a moot point.  Have a great day everyone.

      Like
  • I haven't read through your entire dialogue here because holy moly.  However, I do agree that this new pending transaction is causing confusion for me as well.  I've been a YNAB user for years.  I enter transactions and they show that they are already matched but not cleared.  I'm assuming that this now means they are matched with the pending transaction but will then change to cleared when they actually post?  Am I understanding correctly?

    Like 1
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • Reported - view

      Green Lightning Furthermore, if this is the case (transactions I entered are now matched with a pending transactions), it seems to no longer show up in the pending transaction window but in the posted window - which is incorrect.  Because on my bank's website, they are still pending.  This is confusing.

      Like
    • Hi Green Lightning !

      That is correct! They'll match to the pending transaction and will show in your regular list of transactions, but as an uncleared transaction. When the transaction imports as cleared, it will change in the register and you'll be asked to confirm.

      The matching icon is the only change here. If you enter a transaction and leave it uncleared, it sits as uncleared until a posted transaction imports and matches it. Pending transactions work the same way, the only difference is that it will now match twice - once, as uncleared when the pending transaction matches to the manually entered transaction, and again as cleared when the posted transaction imports.

      Like
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • Reported - view

       Faness 

      This seems to be a confusing way of doing things.  As it is, my bank statement shows two pending transactions but YNAB shows both of those as entered in my register and not pending.  Won't that make the balances not match up?

      Like
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • 1
      • Reported - view

      Faness Ok, I went ahead and approved the match.  So it looks like it then shows a clock symbol letting me know that it is in fact pending even though it doesn't not show up in the pending section above.  So now I just wait for it to clear and I will need to approve (or confirm as you say) it again?  Am I understanding it correctly?

      Like 1
    • Green Lightning Yes, that's right. Once those transactions import again, they'll match again, and you'll be asked to confirm/approve. 

      Those two pending transactions should be marked as Uncleared for now. So you're Uncleared balance at the top of the register will include them, but your Cleared balance won't (and the Cleared Balance should match your bank account balance).

      Like
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • Reported - view

      Faness Ok, thank you.  I think I (mostly) understand.  I agree with Word Tenor's idea for a tip to show up - or a link to an article explaining it.  A quick search on your website didn't turn up anything but I didn't dig deeper since I just set up a chat and asked here.  Thank you again!

      Like
    • GrieseMail We do have this announcement posted in the forum and another announcement on the YNAB website. I believe as this is rolled out there's an explanation given in the app, but not a pop-up for when the first pending transaction imports - I really like that idea, too! :)

      Like
  • I'm just going to put out here that the feedback I sent about having a "Do not show this again" popup appear explaining how pending vs cleared importing works the first time a pending transaction matches to a manually input pending transaction would solve this whole question for users. 

    Like 1
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • Reported - view

      WordTenor This is a great idea!  Or a link to an article or video to explain it.

      Like
    • WordTenor I said it above but wanted to reiterate that I love the idea of an 'as it happens' explanation. Currently, there's the pop-up explaining pending transactions once a YNABer is first given access but nothing after that.

      Like
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • 1
      • Reported - view

      Faness I did eventually get to an article from someone who was helping on chat.  When I did the initial search on the website I didn't find it but admittedly didn't dig deeper as of yet as I was getting help here and on chat.  So I will be looking that over for more clarification.  Thanks so much for your help (you and the whole team!).

      Like 1
      • GrieseMail
      • Green_Lightning.8
      • 11 days ago
      • 1
      • Reported - view

      Faness Hmmm, I must have missed the explanation with the pop up.  No worries.  We are good now.

      Like 1
    • GrieseMail That's another reason I like the idea of a pop up when it happens - the current explanation only shows one time, so if it's missed it can leave a lot of questions behind. 

      Glad you found that article and happy to help! :) 

      Like
  • 2 Questions:

    1) Some, but not all pending transactions show up with a "Pending" prefix in the name.  If I match them and then edit to the real name, will the final cleared version still match?

    2) When going to a restaurant, the tip doesn't usually show up until the transaction is cleared.  So now I have the transaction twice.  One with the "actual" amount that was manually entered and a "pending" version with a lower amount.  How do I reconcile between these two?

    Thank you.

    Like 1
    • glynab I have the same question

      Like
    • glynab I figured it out. Changed the pending amount to the true total (bill + tip) and select enter now. Then select both transactions & match them. The transaction will then have a "clock" icon next to it to show that it's still pending. Once it clears, you will be asked for final approval.

      Like 1
      • dakinemaui
      • dakinemaui
      • 11 days ago
      • Reported - view

      glynab #2 -- delete the pending version. It's a shame this seems to be creating more work for those users who enter manually for the most up-to-date balances.

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 11 days ago
      • 1
      • Reported - view

      dakinemaui Yeah part of the problem is that we fought the hard battle to get a manual match to take the imported version as truth. Which is what you want when it's the cleared transaction--you want to fix any fat-fingering you may have done. If you recall, originally the software wouldn't allow you to match two transactions unless they were the same. 

      But with a pending transaction you want it exactly the other way--you want the match to take the manually entered transaction as the right one. So now you have to fiddle with the transaction instead of just matching it. 

      It'll be interesting to see how this shakes out. This version is leaps and bounds better than the original build, but it still relies on a pretty high-level knowledge of transaction states and when to trust your entry vs. the bank's that I think is beyond a sizable percentage of YNABers (not particularly targeting anyone in this thread, mostly thinking of the questions I see on FB)

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 11 days ago
      • 2
      • Reported - view

      dakinemaui No, the easiest solution is to do nothing. You don't have to enter it into your budget. Just hide the pending section.

      Like 2
      • glynab
      • glynab
      • 11 days ago
      • Reported - view

      Beige Unicorn Cool thanks, I'll give it a try next time.

      Like
      • glynab
      • glynab
      • 11 days ago
      • Reported - view

      dakinemaui True, I didn't think to delete it.  This should work.

      Like
      • glynab
      • glynab
      • 10 days ago
      • 2
      • Reported - view

      Well, I was able to try this out.  Match worked great and completely solved my question.  It is also nice to know that I can delete it if things are out of whack.

      Overall, I like the pending activity.  It gives an early peek at something I forgot, something I entered wrong, or something that a family member bought (I usually know what/when they are buying something, but the the details are sometimes sketchy).

      Like 2
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 11 days ago
      • Reported - view

      Superbone I'm 99% sure it doesn't but I can't actually check right now because of the other importing problem I'm having. Hey, actually did you have that problem? Do you use DI? The import re-downloaded everything from 9/15 onward from my Schwab account. 

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 11 days ago
      • Reported - view

      WordTenor Yes, I use DI heavily. I have not had that issue with my Schwab Investor Checking account.

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 11 days ago
      • Reported - view

      Superbone Interesting! Mine picked (for the second time) up every single transaction since 9/15 this morning. Since that included three CC payments, my mortgage, and a big overdue transfer to my savings account, my budget is now out of whack by several thousand dollars. 

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 11 days ago
      • Reported - view

      WordTenor That is weird... and NOT GOOD!

      I wonder if we're on different import providers. I'm pretty sure I'm on MX and not Plaid.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 10 days ago
      • Reported - view
      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 9 days ago
      • 1
      • Reported - view

      Superbone Perhaps. It did have some unreconciled transactions that it didn’t double dip though. And it was a date that didn’t correspond to anything in particular. It was very weird. 
       

      Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 9 days ago
      • 1
      • Reported - view

       Also, confirmed that it takes the pending transaction when you manually match. Again, it’s what we fought for with cleared transactions, so I understand why the logic is written that way, but for pending transactions the manual entry is likely the right one. So...sigh. 

      Like 1
      • Herman
      • herman
      • 9 days ago
      • Reported - view

      WordTenor I have yet to see the functionality but it seems from what i'm reading is that for those transactions that match, I could reject them all(doesn't seem there is value) and then for those that don't match, review if there is a transaction it should have matched, reject the pending.  And only accept those that were missed by manual entry. This all sounds like a pain for very little benefit.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 9 days ago
      • 1
      • Reported - view

      WordTenor Yeah, that's a drag. I guess in this case, it's better to just delete the pending transaction.

      Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 9 days ago
      • 5
      • Reported - view

      Herman For the transactions which match, you can accept them all. But yes about the second part. 
      This functionality is for the people who come in here screaming that YNAB is broken because they can’t import. Unfortunately the Venn diagram of people who are relying entirely on import and people who likely don’t understand that pending transactions often don’t capture the final spend is more or less a circle. I predict problems as this rolls out and people accept say, a non tipped pending transaction, and then download the cleared, tipped transaction and it doesn’t auto match and then their accounts get way out of whack. And then they’ll do a reconciliation adjustment transaction and it will all get worse. 

      I’m not saying I’m popping popcorn, but...

      Like 5
      • Herman
      • herman
      • 9 days ago
      • Reported - view

      WordTenor I'm particularly unhappy with the way it sounds liked it impacts mobile.

      Like
    • WordTenor Herman I had a lot of feelings and feedback using pending transactions, particularly for mobile. It can go a few ways, depending on habits and level of interaction:

      • For those of us who enter transactions, with the tip scenario my personal preference is to manually match the entered + pending (pre-tip). The automatic logic relies on amounts being the same. The pending transaction could be manually matched, deleted , or the section could be collapsed until it dropped off (least ideal, but an option). iOS specific, Android behavior is a bit different for now. 
      • For folks that rely on Direct Import, pending transactions appear in the collapsable section (added visibility), but will disappear from that section when the posted version is ready to import.

      Reconciling regularly of course is important, no matter how transactions come in. It was thoroughly tested with YNABers of all levels. The iteration has been fascinating! We're optimistic and keeping a close eye as it rolls out. We'll update the announcement thread with news.

      Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 4 days ago
      • 1
      • Reported - view

      Nicole 

      In the first scenario you describe, if you enter with tip, you can't manually match the pending import because it changes the amount to the amount of the pending transaction. So then you have to change it back, or delete the imported pending transaction. I don't especially mind it, but it is less cumbersome than it would be if the logic were written such that for a cleared transaction, the amount updated to the imported amount, and for a pending, it kept the manual entry. 

      The fundamental issue here is, as I said, the fact that there's an almost complete overlap between people who don't understand transaction states and those who rely entirely on direct import, and using pending transaction import in a way that is useful relies on this knowledge. Or perhaps better to say that "people who don't understand transaction states" is probably a circle almost entirely subsumed by "people who rely on DI for entry." Transaction states have always been an issue for YNAB not because there's something wrong with YNAB but because users don't understand them.  This fundamental problem has had multiple attempted solutions over the years (I remember in particular the decision to take away the auto-population of the cleared balance in the reconciliation tool in YNAB 4.) 

      I think this feature is pretty okay, with the exception of pending transactions which have a tip, where it becomes extra work. However, when I first set up YNAB, I knew enough to have the good sense that I needed to enter all my pending transactions as part of the initial setup even though the instructions did not say to do this. So for people without that level of financial sense, it's absolutely going to confuse them, this thread being a huge case in point already (and this isn't even someone who is all that confused.)  

      There's also the fact that the very silly "feature" of having you approve a manually-matched transaction has never been changed. That adds an extra, unwelcome step.
       

      Like 1
    • WordTenor The matching criteria prioritizes the information you enter. If the pending transaction is $20.00 and you've entered the purchase+tip for $24.00, manually matching pending + entered would keep the $24.00.

      This aligns with what I've seen in iOS, but if that's not the case for you—we can look closer. An example of before and after the manual match would be handy! If you prefer not to use the feedback form, I can reach out via email.

      Like
  • I’d also really like the option to turn off pending transactions. I manually enter and then match transactions when they clear through auto import. Having to interact with every transaction a third time not only adds significantly to the workload, but also makes it difficult to recall which of those “special transactions” that I’m trying to pay extra attention to haven’t yet cleared.

    Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 11 days ago
      • Reported - view

      Pink Zebra You already have this. Hide the pending section. It is optional.

      Like
      • Pink Zebra
      • Pink_Zebra.9
      • 11 days ago
      • Reported - view

      Superbone I receive app alerts for every pending transaction and they appear on my “New Transactions” task list. There’s no option to hide those, so they don’t seem to be optional. Do you have any additional suggestions of things I might have missed?

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 11 days ago
      • Reported - view

      Pink Zebra You can reject them all from the same menu where you accept them all, if you wish.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 11 days ago
      • Reported - view

      Pink Zebra That's a good point. I usually use the web app for accepting new transactions. If there isn't a way to turn those off on mobile, there should be.

      Like
      • Pink Zebra
      • Pink_Zebra.9
      • 11 days ago
      • 4
      • Reported - view

      WordTenor Some times I accept, sometimes I reject. It’s still frustrating to have to deal with a third set of transactions all the time.

      I understand that for people who are only using linked accounts, it lets them see their transactions faster, but if you’re using manual entry with linked accounts, like YNAB suggests, it actually impedes the process. I’m strongly considering unlinking my accounts at this point as it doubles the amount of imported transactions I have to deal with with no value added. 

      Like 4
    • Pink Zebra  Do you use iOS or Android on mobile? I'd be happy to check on that. For my personal device (iOS), pending transactions don't impact those—but would like to clarify with our developers. That's an important one! 

      I hear you on the extra approval step when entering transactions yourself. That was one on my list as well.

      Like
    • Pink Zebra It looks like it's the same for Android. There are a few other things that can impact app or badge notifications. Do any apply to your budget? Let me know!

      Like
      • Pink Zebra
      • Pink_Zebra.9
      • 9 days ago
      • 1
      • Reported - view

       Nicole I’m on iOS and I’m not seeing any options to fine tune app/budget notifications either inside or outside the app. I’ve never noticed if only a pending transaction will cause an iOS alert, but I’ll try to pay attention to this.

      Like 1
    • Pink Zebra  Thanks! Reading this again, it sounds like the bank connection is importing twice—and needs adjusting. Grab a quick screenshot before rejecting and our importing team can help get it sorted out!

      Like
      • bobbucy
      • Tomato_Snow_237e7f17927
      • 5 days ago
      • Reported - view

      Pink Zebra Agree completely.  I also enter manually and then import and match to clear.  This functionality is the reason that I chose YNAB in 2012.  I have absolutely ZERO need or desire to import pending transactions and am deeply concerned about this being rolled out to me.  I am hoping that my bank doesn't support it because I think that this whole "enhancement" is a very bad idea.

      Like
  • Yes it has seemed to break mine as well. It will not even send my actual transactions. Before the update, I was working well. Then my transactions wouldn't import. so I followed directions and reset my bank. well now the whole thing is broken so I had to start all over again. It downloaded my old connection as subtracting it from the new.(same bank) Today I started all over and now it won't add my transactions. The same error. sorry it is taking longer then expected for transactions to import.

    UGH

    Like
    • Hi Orange Sloth !

      Pending transactions shouldn't have interfered with your transactions importing as usual. If you're now having trouble importing at all, please report a Bank Importing Issue so our Direct Import Team can take a look at things for you.

      Like
  • When I first heard about this my understanding was that this was going to be an optional feature.  It doesn't sound like that is the case, and that if your bank supports it, then you will have this extra "pending" section at the top of the screen next to scheduled transactions.  A "feature" such as this should be optional, which is easily accomplished by adding a selection to the connection screen for each connection to include pending transactions if available.  Again, I haven't seen this yet - and frankly don't want to - so if that is already the case then great.  If not, then YNAB really needs to go back and think about this some more.  There is a reason why we have a cleared balance at the top of the screen and a working balance.  Cleared is for posted transactions - period.  This should be completely optional and forcing it upon me may be the end of my relationship with YNAB.

    Like 1
      • dakinemaui
      • dakinemaui
      • 4 days ago
      • 1
      • Reported - view

      bobbucy The pending transactions do not import with Cleared status.

      Of course, the screen real estate issue and general confusion about approval/editing/matching/re-matching discussed above when manually entered transactions are present obviously still stand. I agree, a simple checkbox on the linking dialog is a great idea.

      Like 1
      • bobbucy
      • Tomato_Snow_237e7f17927
      • 4 days ago
      • Reported - view

      dakinemaui Thank you for the clarification.  With regard to the checkbox on the linking dialog, this seems like a no brainer to me.  I don't understand why YNAB would not have already considered this in UI design and the fact that some people neither want or need this feature.  Whether it's this or something as simple as check numbers, their whole approach seems to continue to be "we'll tell you what you need and you'll like it".

      Like
  • I'm having issues with this as well.

    The pending transactions were imported and was auto-matched with my entries. Not conscious of this problem, I went ahead and approved them, creating a deficit when reconciling my account.

    @dakinemaui  unless it gets automatched. A user would naturally go to approve all matched transactions. Thinking it has cleared, because that's how Ynab used to work.

    Like
    • Tan Yearling Where was the deficit you mentioned? When reconciling, you're using the Cleared Balance—but uncleared transactions (pending or otherwise) impact the Uncleared and Working Balances. That part hasn't changed.

      Pending transactions will import as uncleared with a clock icon. They will automatically match when: the amounts are the same and the date is within 10 days, and ask for your approval.

      After they post at the bank, they'll import as cleared—matching and asking for approval once more. There is an extra approval step that wasn't there before that makes you look twice. I felt strongly about this as well, and it takes some getting used to. Our Product team would love to hear your feedback on how it goes!

      Like
    • Nicole The deficit appeared during reconciliation.

      1. A single transaction was matched and asked for approval. 
      2. I approved the transaction.
      3. I reconciled my account and noticed the deficit. (YNAB balance is lower than Bank balance).

      I think the bug is associated with "approve", does this action mark the matched transaction as cleared? Is there such a state as "approved and pending", without affecting how reconciliation works?

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 3 days ago
      • 1
      • Reported - view

      Tan Yearling Pending transactions are not cleared by definition.

      Like 1
    • Nicole  and Faness  I got some screenshots for ya. Check out this screenshot of a fresh import I made today. I want to call your attention to two things.

      1. The two transactions in red, are marked cleared by YNAB but is pending according to my bank.

      2. The two transactions in blue is the the effect of this bug: A transaction that has been previously imported, auto-matched, and approved; has now been imported again. Effectively creating a double entry.

      The user has no reason to believe any of these transactions are pending. Like a good YNAB user, they'd match and approve like normal. If they then reconcile, they'd discover a deficit in YNAB.

      Like
    • Tan Yearling Ah, thank you for the screenshot! This is going to sound weird... but there is pending transactions (feature) and pending transactions (bank issue = duplicate transactions).

      Looks like the latter is the culprit here, but we can definitely help get it sorted out. Sending a reply to your recent email right now!

      Like
    • Nicole I am having this issue as well with Chase and it can't seem to undo whatever caused it now.

      Like
  • I really hope that YNAB has hit the pause button on rolling this out because it seems like they are effectively forcing their customers to be beta testers of something that isn't ready for prime time.  I'm sorry if that sounds harsh, and I have to commend YNAB for actually listening and responding to my concerns about this.  I just don't think that they have fully considered the level of change that this will force upon their customers.

    Like 1
    • bobbucy They might have turned it off.  I don't see pending anymore for my Chase account.  Though it's already messed up my budget and I can't get it back to sync properly.

      Like
  • Yes, Pending transactions have made it harder for me.  I went to import Chase and it is now out of sync and I can't for the life of me figure out the discrepancy between my account.

    I have gone through the transactions a few times and they all match.  At this point, I am about to make a Phantom transaction to make it sync up.

    Like
    • VoltaicShock Do you see any duplicate transactions in your register? And do you know how long it's been since you've reconciled your account? If it's been a bit, the difference may be from further back!

      Sent you an email so we can figure out. 😄

      Like
  • Not to say others are not having problems, but I have Chase and this is working great for me.  I appreciate the feature and hope it doesn't go away.

    Like 1
    • glynab I'm glad it's working for you but it jacked up my budget and I can't get it back in sync.  I have tried importing and also reviewing each line by line and something is off but I can't tell where now.

      I'm sure I will figure it out just annoyed at it at the moment.

      Like
      • glynab
      • glynab
      • yesterday
      • Reported - view

      VoltaicShock I feel for you.  I believe you have an issue.  I just hope that it gets fixed rather than removed. 

      Like
      • bobbucy
      • Tomato_Snow_237e7f17927
      • yesterday
      • 1
      • Reported - view

      glynab I haven't been lobbying for it to go away.  My position is that something this big should have been designed as optional.  Right now I'm holding my breath every time I open YNAB because I really am not looking forward to this being activated on my account.

      Like 1
    • glynab Yeah it was active on my account and now it seems to have gone away.  What happened was it pulled in some transactions and it didn't sync with what was there and I noticed some duplicates and removed them but somehow the math is all wrong and it's not adding up as it should.  I am going to see what happens with my next import and go from there.

      Like
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