How does everyone deal with the need to constantly enter the one time code to sync CC?

I am wondering how does everyone deal with constantly needing to enter a onetime code to import their credit card transactions. I personally find it very frustrating.  What makes it worse is that I have two different credit card companies and two different budgets. So that means I have to enter 3 different codes, every time I log into YNAB.  It is different from having to enter the password, because that stays constant and I have it saved in my password manager.

 

Support said they cant do anything about it because it of their Direct Connection. While it is probably true that they cant do anything due to their connection type, but this doesn't mean that they cant solve the issue. I know this, because I have used other budgeting software that does not suffer from the same re-authentication "issue" This probably will require YNAB to change they way they connect with the banks.

 

I think it will be a good idea to place some user pressure on YNAB.

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  • We're closing out Bank Importing threads in the forum to make sure these issues are better resolved.

    Replies in this thread have been turned off, but if you’re having trouble with your bank, please fill out this form and our Direct Import team will help you get things back up and running! :)

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  • I don't have this issue with any of my banks.  Which institutions do you have this issue with?

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    • Herman Chase and capital one

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      • Herman
      • herman
      • 1 yr ago
      • Reported - view

      Pink Stallion  I have chase and do not have that happen.  I don't have any capital one accounts.  

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    • Herman This is kinda frustrating. I wonder why is it that you don't have to constantly enter auth code for chase while I do. How long have you been using YNAB auto sync for?

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  • Hi Pink Stallion !

    Sorry for the inconvenience here! I know having to reauthenticate your account frequently isn't the best experience, but it's your bank's way of keeping your account safe. Not all banks have this requirement and, in some cases, we’ve found those will slowly start to subside, but we can’t guarantee it since each connection is unique.

    We’re hopeful this will improve but, right now (and for the foreseeable future), it is expected.

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    • Faness I don't think you understood my issue or not sure how authentication works. It is true that this is a security feature but it not expected to be happening evertime I login. I am not talking about 2 factor.

       

      Yes when I log in into my bank directly from the website for the first time with a new device, the bank will ask for an authentication. But after that the bank has learned that the computer is a trusted device, and will not ask it again.

      This type of behavior does not happen with MINT which is a free service.

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      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • Reported - view

      Pink Stallion 

      I know Angela chatted with you about some of this, but I thought I'd go into a bit more details about why you don't have to reauthorize in Mint.

       

      Like Angela said, whether or not you'll need to re-authenticate depends on the institution and type of connection they has with each particular institution. Direct connections are generally more stable, which means they should hardly ever require a reauthorization, even when a one-time password is involved. However, our Direct Import partner doesn't currently have a direct connection for this particular financial institution.

       

      They (and I!) definitely recognize this is something they need to work on improving. In fact, having a direct connection to all institutions is the goal! My understanding, though, is that it does require quite a lot of work between our data provider and the institution to be able to create a more seamless integration. So while it's not out of the cards, there's definitely no immediate resolution I can offer. 

       

      Anyway, I know that's not great news, but I hope it gives you a better idea of what's going on here and why. If you have any other questions please let us know!

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    • Jannelle I wanted to get an understanding why some users do not have the same issue as me, when the same bank is used. A user above has stated that they do not have to re authenticate with their chase bank. While I also use Chase bank, but have to reath every day :(((((((((((((((((((((

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      • Jannelle
      • jannelle_ynabsupport
      • 11 mths ago
      • Reported - view

      Pink Stallion Of course! The Direct Import partner who handles your connections works with multiple data providers, so I'm wondering if you're connected under a different one than the user above? It can also come down to the security settings you have set up with Chase, which could also be different than the user above! I'm going to reach out to our Direct Import partner about this though, and see if there is anything they can do! I'm going to email you from help@ynab.com to keep track of the follow up too. 😊

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    • Jannelle I am having the same issue and it is quite annoying as 3/4 of my credit cards are with Capital One and each requires a security code texted to me every time I log in. Was there any resolution for this? I poked around in the setting/security section of my Capital One account and didn't see anything relevant. Thank you!

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    • Hi Hot Pink Thunder !

      We spent quite a bit of time investigating the issue with our import partner, and I'm afraid there's nothing we can do to get around these frequent re-authentication requests. As institutions make site changes and security updates on their end, this requirement can change—appearing from seemingly nowhere and sometimes even subsiding over time, but neither are something we’re able to predict. 

      The good news is, while it's not so great for the import experience, it's great in terms of security! And you don't need to re-authorize the connection every time it asks—just go through the prompt when you're ready to import new transactions.

      We’re hopeful this will improve as our import partner develops more direct connections, but right now (and for the foreseeable future) it is expected.

      If you’re finding you can’t connect and/or import even after re-entering your credentials, that's not expected. Please let me know if that’s the case!

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    • Faness Thanks for your efforts, I appreciate it!

      Like 1
  • I'm looking at it as security is being tightened on accounts.  With all the hacking stories, I'm glad my institutions are tightening up security.  It is a minor inconvenience when YNAB can't connect because I rely mostly on manual entry.  

    Some accounts "glitch" more often than others, and most do at some point.  It's not a big deal for me.  There are many who don't have the direct connect option and work their budgets, even better than most.  Just reconcile with your institution often and everything will be fine.  

    YNAB is doing the best they can, and things are changing.

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