Is USAA a worse bank than others for sync'ing w/ YNAB?

My wife and I find trying to budget hard enough, but I have been pulling my hair out every time I sit down to sync with USAA, which then frustrates my efforts to try to bring sanity to our finances.

 

Should I just give up with USAA as my primary bank for YNAB purposes and switch to Cap1 or Simple or some other bank?

Note that we have multifactor authentication enabled, which is where things always seem to break.

 

Thanks for any technical insight from YNAB team on whether some banks are just innately more frustrating than other.

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  • Hi Sea Green Door !

    Sorry you're having trouble with USAA! I took a look and I see that connection is currently showing as successful, but I understand that isn't always the case. Sadly, a number of the banks that offer direct import, also require frequent re-authentication (especially if MFA is enabled). Capital One is another that I know requires frequent re-authentication, but I'm not sure about Simple. 

    This is your bank's way of keeping your account safe - which is great! - but we know it can be frustrating, and thus not so great for the direct import experience. Our Direct Import partner is working on improvements here but, for now, this behavior is expected. Outside of PayPal (which we've affectionately named PainPal), most financial institutions are able to bounce back from any issues within a few weeks. 

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  • My USAA seems to be connected well enough. I'm just having issues all of a sudden with my "To Be Budgeted" amount not updating correctly. I know I have money to be budgeted, but the number still shows $0. I'm not really sure how to fix this or if this is part of the problem you're having. Any insight would be greatly appreciated. 

    Note - my transactions are updating okay, but I'm only getting like two transactions a day even if I have more, and when I have incoming or outgoing, my to be budgeted doesn't change from zero. I've logged out and back in and I really don't want to have to start over as I just got to the point of understanding how it works.

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    • Hi Kat Taylor !

      Do you have funds budgeted towards a future month? If so, new income will affect your To Be Budgeted in the future month first. If you delete the amounts budgeted in the future, then your To Be Budgeted in the current month should return to normal. :)

      Reply Like 1
      • Kat Taylor
      • Hot_Pink_Cyborg.3
      • 5 mths ago
      • 1
      • Reported - view

      Faness Thank you. I did try to get a head start on my budget and plug in numbers I knew wouldn't change month to month. I will have to delete them. Thank you again for the suggestion.

      Reply Like 1
    • Kat Taylor If that doesn't do the trick, or if you have questions about it, please let me know! :)

      Reply Like 1
      • Kat Taylor
      • Hot_Pink_Cyborg.3
      • 5 mths ago
      • 1
      • Reported - view

      Faness Tahnk you! I appreciate the help. In fact, your suggestion did the trick. I had gone ahead through each month of the year and budgeted bills I knew wouldn't be changing and I guess that confused everything. Clearing everything else out fixed the problem!

      Reply Like 1
  • @Faness : Thank you - that's a very helpful answer. 

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    • Sea Green Door You're very welcome! If there's anything else I can do to help, please don't hesitate to let me know! :)

      Reply Like 1
  • Me too!!  I hardly used it at all last year because it was so hit or miss on connecting!!  It's so frustrating!!  I've disconnected and reconnected multiple times!  

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    • Gold Router Sorry for the trouble! I noticed you're connected through one of our older Direct Import partners. I sent you a quick email so we can switch you to one of our newer providers and hopefully get things fixed with USAA. :)

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  • @Faness - My USAA 2-factor auth experience is much more consistent now. Let the product team/engineers know. Thanks!

    Reply Like 1
  • Of course, I spoke too soon, because today it's all bonkers again.

     

     I'm OK with re-entering my one-time-password. I'm not happy about having to re-enter all my credentials, because 1Password gets all confused as to which password I need (_not_ my YNAB one, of course), and because it's unclear what PIN is needed since my PIN should be different each time.

     

    Number of times entering credentials: 4

    Number of times entering one-time code: 2

    Before I finally could get in. Each failure probably cost me 1-2 minutes. So that's 15m of my budgeting time lost. Please try to make this more consistent.

     

    Thanks!

     

    -Peter

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    • Hi Peter! Sea Green Door 

      After your message, I crossed my fingers that the connection would stay up and running. I'm happy you were able to reconnect, but I'm hoping it will stay connected longer this time.

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