USAA Stopped Offering Downloads

As of May 25, USAA no longer offers download.  This message is posted:  "Bank Accounts: You will be unable to download your historical USAA Bank account activity from usaa.com. USAA Bank account activity will still be accessible via Quicken through Direct Connect."

Is there a workaround for this, or do I just need to manually add my transactions now?

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  • Call customer service and demand they reinstate the downloads because you don't use Quicken or else you'll move to a financial institution that will allow you to interface with any personal finance program you want.

    Like 2
    • nolesrule , I contacted them, but she just thanked me for my feedback and said she would pass it along, lol.

      Like
  • That sucks! Seriously?

    Like
  • Troubling, especially if other banks start to follow their example. 

    Like
  • Maybe they sold that responsibility to charles schwab as well? ;)

    Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 6 mths ago
      • Reported - view

      RIP_MSMoney I didn't realize Schwab had acquired them. Schwab is where I have my checking account. They only have csv downloads but I have no issues with their YNAB direct import.

      Like
      • RIP_MSMoney
      • FinTech Programmer
      • rip_ms_money
      • 6 mths ago
      • 1
      • Reported - view

      Superbone yeah schwab bought their brokerage division. Banking is remaining with usaa. But usaa already (also) sold their mutual funds to victory capital.

      Like 1
      • Jeff G
      • Salmon_Cleric.8
      • 5 mths ago
      • Reported - view

      RIP_MSMoney   USAA is sending some of my accounts to Charles Schwab and some to Victory.   Asked if I could keep them together and just get a canned response.    So frustrated with USAA at the moment.    Do you have any experience with Schwab?   Looks like they have basic checking accounts too. 

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 5 mths ago
      • Reported - view

      Jeff G I can tell you that Schwab Investor Checking is excellent. I switched to it as my main checking account last year.

      Like
      • RIP_MSMoney
      • FinTech Programmer
      • rip_ms_money
      • 5 mths ago
      • Reported - view

      Superbone i moved all my stuff to vanguard. Allowed me to keep all my stuff together. They also dont charge for account transfers moving forward. There were rumors that schwab charges.

      I kept my banking with usaa though

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 5 mths ago
      • Reported - view

      RIP_MSMoney Yeah, I was only talking about checking. All my non-401K stock funds are at Vanguard as well (IRA and a taxable brokerage account). Vanguard is excellent and low cost. No fees. Not even for individual stock purchases any more.

      Like
  • I might be wrong, but I think it's just referring to downloading very old transactions directly from the website. I had my updates come through over the last few days even though I (finally) found that message you mentioned, and it said my last day for (historical) downloads was the 22nd.

    But for me, it's still working with YNAB.

    Like 2
      • Courtney Lane
      • Mother. Lover. Budgeter.
      • cocolove
      • 6 mths ago
      • Reported - view

      dhooper my direct import is still working too. Of course I still have to verify the account every time with the text/email security code now. 

      Like
    • dhooper 

      Well, that's encouraging to hear.  I don't need old stuff, I download weekly and I have just been doing manual downloads of the QFX file, but that option doesn't seem to be there any longer.  I'll set up direct import and see how that goes.

      Like
  • That is also my experience. Not so bad to have to verify for direct import each time.  

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  • I have an older copy of MS Money, I use only to track my checking account activity.  Even having the ability to download transactions to a spreadsheet format would be acceptable.  I just use it as a check of my entries, to make sure I didn't miss anything.

    The discontinuation of the download is forcing people like us to sign up for an annual Quicken subscription.  Not everyone has the extra (currently $34.99) per year spare dollars they want to waste on this.  My needs are simple.   USAA is a sellout and I am not a happy camper.

    Like 2
    • I really wonder how much these new bank policies/issues are a result of money talking behind the scenes.  

      If direct import issues can be resolved by corporate agreements and partnerships, then it seems as if the main playing piece there is money changing hands.

      I saw something a while back that said, in order to be able to use 3rd party integrations, another financial company (like Plaid or Intuit) needed to be on a bank's preferred list. 

      My question is this: Is the status of being on the list determined by the 3rd party's security protocols or by paying "dues" to that bank in exchange for the preferred status?

      If it's the latter, who has been lobbying for this hidden cost that would seem to be designed to put players like YNAB out of the game? If it's Intuit, maybe I should look elsewhere, come tax time.

      How do I find these things out? Are more banks realizing they could charge for access? Or are we purely running into changing security protocols?

      I do not use direct import, and I am not interested in having my YNAB price hike to support pandering to banks' need for tribute.  I had about 3 other ways of phrasing that, but they weren't very nice.

      Like 2
    • Maroon Rain 

      I just found out there is an option to download up to 90 days of transactions as a CSV.  It's not on the "I want to download" menu on the right side of the page, but rather in the "I want to export" menu at the top of the transactions.

      Like 2
    • Rebecca Malmberg Was able to find the export option, thank you!

      Like 1
    • Rebecca Malmberg When I tried to download the transactions from usaa (the .csv file) and import, ynab said there were "zero transactions to report"...?

      Like 1
    • Cornflower Blue Violin Sorry, I don't know anything about how that works.  I just posted that I'd seen where .csv could be exported, but I've never actually used a .csv export.

      Like
    • Cornflower Blue Violin There isn't a standard file format for .CSV, so it may need some adjustments. I posted more details lower in the thread on how to do that! Let me know if you have any questions.

      Like
    • Cornflower Blue Violin Try adding Date, Payee, Memo, Outflow, Inflow headers to the .CSV file by opening it in excel, numbers, sheets etc. (whatever you're comfortable with). Save it in UTF-8 format if you have excel.

      Like
    • Cornflower Blue Violin Open the .CSV file and add the following headers on the top of the spreadsheet. Date, Payee, Memo, Outflow in columns A, B, C, and D respectively. Save as a UTF-8 .csv, then drag the file into your browser. Check the check boxes YNAB offers you until it looks right, then import.

      Like
  • Out of curiousity, I went to my banks and checked the download capabilities. All three of them allowed me to download into Quicken, Money, Simply Accounting, and either excel or .csv files. I am in Canada so not sure if there is a difference from the US. In Canada, banking transactions are standardized and all of the banks use the same standards across the board. It has a lot of advantages in making it easy to process and work between banks. From what I understand, there is not this standardized system in the US and that results in a lot of disconnection between banks or lags in processing. And that would make it easier to be a bank-by-bank basis to decide to limit the download of transactions unless you use a partner? (that has paid a fee potentially to support that bank's system?) 

    Not sure if it has any relevance but it would be a curiosity to my mind. If you want to read about the Canadian system, here is a link. https://www.payments.ca/

    Like
    • Navy Blue Pegasus You're right on the money! Formatting for .CSV files can vary because there isn't an industry standard. I posted more on that below. We recommend .QFX (Quicken) for that reason, but .OFX and .QIF files work as well!

      Thank you for sharing the link to the Canadian system. It's really interesting to see how it's handled!

      Like
  • Hi Rebecca Malmberg !  We're hearing similar reports from other YNABers who have received the same message. They seem to be moving to .CSV export only.

    If you're using Direct Import, your connection will continue as before—but if you have trouble, please let us know by report a Bank Importing Issue and we'll look into it!

    For folks importing CSV files, they're our last resort option because there isn't an industry standard format. Like Goldilocks' porridge, they need to be just right. We have a few resources to help:

    • Here's an article that covers Importing a CSV file that will show you how to format the file
    • And this (unofficial) CSV converter created by a fellow YNABer which may help convert it

    We have a few specialists who also bank with USAA, so we're working on figuring out how these changes impact YNABers, and tips to help with the process. If you're running into an issue with your file, please submit the form above—and our team is happy to help!

    Like 2
  • YNAB4 user here that does all my banking with USAA and just got the same message today when I tried to do my import :-(.  Used to be an easy few click process.  This is so sad.  I don't even know what to do.  It is a very slow process to get the USAA .csv file from each account and the format is not correct for YNAB out of the gate.  I really hope they change it back.  I presume they are trying to cut cost and not enough of us were using it :-(

    Like 2
  • I'm a veteran that banks with USAA and uses YNAB on the web. I have never had much success with USAA direct import so I've been downloading the .qif or .ofx and importing for a while. This change by USAA is frustrating!

    I am considering moving away from USAA due to this. Do any of you have recommendations of super tech-forward banks, e.g. ones that use standard MFA, have APIs? Thanks!

    Like 3
      • Maroon Rain
      • Maroon_Rain.17
      • 6 mths ago
      • Reported - view

      Hot Pink Unicorn   I just used the export to .csv  It is a royal slow pain to manually reconcile transactions from the spreadsheet over to my app, but it works, for what that is worth.  I use MS Money only to track my expenses.

      Like
    • Maroon Rain and all. I've found the following procedure to be faster and less trouble than waiting for YNAB and USAA to synch up. It may be helpful for you.

       

      Log into USAA as normal and bring up the ledger that you'd like to import into YNAB.

       

      Cut and paste from USAA account ledger into an (excel works) spreadsheet.

       

      Add the following headers Date, Payee, Memo, Outflow, Inflow. (I'm not sure if you need both Outflow and Inflow. YNAB seems to be able to parse negative and positive amounts into the correct columns).

      Checks need to be manually adjusted so that columns align.

       

      Change the Date format to MM/DD/YY.

      There will be some rows that have misplaced values below rather than all in the same row. To correct this, write a quick formula (A1 = A2 and B1 = B2) to transfer amounts from columns B, C, to D and E.

      Sort on the Date column to remove blank rows. Delete excess values and annotations.

      All values must be positive in columns D and E or the program will read them as inflow if they're positive or outflow if they are negative. (Test this for yourself before going final in YNAB-- you have the command-Z undo option is things don't look correct).

      Make sure to uncheck the "cleared" indicator in YNAB for those transactions that are pending before reconciling your account.

      Like
  • I solved this problem by moving to direct import. It works fine. I do not prefer direct import and have not ever used it before so I took a big gulp before changing over to it, but I also don't want to spend my time re-inventing the wheel. 

    Like 1
      • Maroon Rain
      • Maroon_Rain.17
      • 6 mths ago
      • Reported - view

      Coral Drum That works fine if already a Quicken user.  Some of us still use MS Money.  The long way around,  manually reconciling,  the .csv export is functional for MS Money.  Just long and painful and tiresome.  But functional is what we need.

      Like
  • For other tools to sync CSV's, there is also this tool: https://github.com/bank2ynab/bank2ynab

    Like
  • We bank with First Citizens here in NC who did another digital banking "upgrade" last Sunday.  Since then, manual export no longer works.  I called and reported it but was told that everything worked fine and they wouldn't enter a ticket.  I prefer manual download to connecting through YNAB but have reluctantly set up the connection so I can keep importing.  I'm not sure what we will do long term as the digital banking team at First Citizens appears comically inept and this isn't the first time that stuff like this has happens.  Sadly it doesn't sound like other banks are doing a lot better.

    Like
    • bobbucy That's all true. There are a couple of tech solutions to your issue in this thread. One is the CSV synch tool that will look at your bank's exported file and massage it so that YNAB can digest it. (As of this time, you'll have to submit a sample because the script does not work with First Citizen's Bank. The other alternative is to massage the exported file a little manually. I left some instructions for Maroon Rain above on how to do this. Not as complicated as changing your engine oil, but not as easy as a direct import (which takes more time in my experience.) Best of luck to you.

      Like
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 5 mths ago
      • Reported - view

      Sea Green Falafel Thanks, but the issue isn't file format.  The issue is that the export function just doesn't work anymore.  I select export and the quicken file format and nothing happens.  It worked just fine in the past.  There is clearly an issue on their end but they don't want to admit it.  So for now, direct connect is working fine.

      Like
    • bobbucy The new export looks like this. Also, you can cut and paste from the ledger.

      Like
  • Just thought people might like to know you can export your transactions via .csv
    When you got to the account on USAA, there is a part around the top of the transactions the says "I would like to" (or something similiar). Click the down arrow and then click export. Viola. downloaded csv. You'll have to arrange it so that YNAB can read it, but for the most part that's just renaming some columns and deleting some columns. 
    Hope this helps

    Like
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