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.
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.Reply
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.Reply