Troubleshooting Linked Accounts by Financial Institution

We continually source institution-specific insight and suggestions from our import providers and dedicated YNABers, like yourself, who bank with the financial institutions below. We do our best to vet it for accuracy and lay it out for you here in all its glory (and astounding quirkiness).

With great Direct Import power comes great responsibility, so let us know if you have any information that might help out a fellow YNABer. And, if you don't find what you're looking for here, please check out Troubleshooting Linked Accounts (by Issue) or contact YNAB support!

Financial Institutions

A - D | E - K | L - O | P - Z





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Air Academy Federal Credit Union

  • If you're running into credential issues and created a custom login name through AAFCU, you may need to revert your login settings with AAFCU back to the account number (the default setting) in order to connect.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Alliant Credit Union

  • Alliant Credit Union's online banking portal goes offline every night. This means it will miss some of YNAB's 8-hour refreshes. If you find transactions aren't importing in the morning, look for them again later in the day.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Ally Bank

  • If you're not receiving your one-time passcode, you need to "OPTIN" directly through Ally Bank. You can do this in the mobile app, or on the web by going to Alerts > Security. If it is enabled and you are still not receiving a passcode, please contact Ally Bank directly to confirm your mobile text settings are enabled.
  • Ally Bank no longer accepts the special character “&” in passwords. If your password contains this character, you'll need to take it out in order to connect.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Amazon Credit Card by Chase

  • If you're having trouble establishing a connection, try connecting directly to "Chase Bank" instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Amazon Credit Card by Synchrony

  • Statement credits/rewards will not import.
  • If your Amazon card is issued by Chase, try "Amazon Credit Card by Chase" or "Chase" instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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American Express (UK)

  • American Express (UK) is known to change their transaction IDs, so multiple copies of the same transaction (duplicates, triplicates, etc) are expected to import if connected via our import provider TrueLayer.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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American Express Credit Card

  • If you have a joint account, link to the primary cardholder; it's expected that all transactions from all cardholders will import into one account.
  • If you use Direct Import and File-Based Import in conjunction with one another to keep your account updated, you may notice dates are incorrect, duplicates occur, or transactions are being missed. This is due to differences in data formatting. American Express is using the transacted date (i.e., original date the transaction occurred), while we follow the industry standard and import the posted date (i.e., the date a transaction goes from pending to cleared).

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Ann Taylor ALL Rewards Mastercard (Comenity) - Mastercard

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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AOD Federal Credit Union

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Arbor Financial Credit Union

  • If transactions aren't importing, try updating the nickname of your accounts on Arbor FCU's online portal to include the account type (e.g., checking, savings, credit card, loan, investment, etc.).

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Associated Credit Union

  • If you're getting stuck in an authentication loop, login to ACU's website, complete the authentication there, then immediately try connecting to YNAB to receive the code and connect.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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ATB Online - Personal

  • In order to connect, you'll need to enable Two-Factor Authorization at ATB's online banking portal.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Bank of America

  • Bank of America requires your username and password be between 8 and 20 characters long. If you're running into credential issues, make sure both are within these parameters.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Bank of Hawaii - Personal

  • We don't currently support Bank of Hawaii credit cards accessed through hawaiianbohcard.com. You'll need to use our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Bank of the San Juans

  • If you're having trouble connecting your Bank of the San Juans accounts, try connecting via their parent bank, Glacier Bank.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Banque Nationale du Canada (Français)

  • While trying to connect, you may be prompted for your card number and password. If so, try entering your email address and password in those fields, instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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BBVA

  • BBVA has a setting that allows you to hide or show accounts on their summary page. If you're missing any accounts in YNAB, make sure it is showing on this summary page before connecting.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Betterment

  • You'll need to set up an App Password, using the following steps:
    • Log in to your Betterment account
    • Access your settings page
    • Click Security in the tabs on the page
    • Click generate a new app password
    • Follow the security instructions, name the app password, and copy the password it generates.
    • Return to YNAB and use this password with your username to log on.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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BOK Financial

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Brooklyn Co-op Credit Union

  • Brooklyn Co-Op credit cards are serviced through EZCARDINFO.COM. If you find credit card transactions aren't importing, try connecting your cards through the EZ Card Info connection in YNAB or use our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Cabela's Club CC by Capital One

  • If you're seeing an invalid credentials error, try connecting to "Capital One", instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Capital One

  • If you're having trouble connecting or importing transactions, make sure you don't have a duplicate connection to Capital One. Capital One will only allow the same login credentials to have one connection in YNAB at a time. Try removing one of the duplicate connections.
  • If you're having trouble connecting to Capital One on the mobile app, try connecting via a computer on the web app.
  • Import delays are expected as Capital One restricts our import provider, Plaid, to an import schedule of every other day.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Capital One Canada

  • If you use a credit card issued by Capital One Canada (Costco Mastercard, for example), the US-based Capital One option (capitalone.com, instead of capitalone.ca) may work better for you.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Chase

  • We're currently unable to support Chase First Banking (a debit card for kids and teens) accounts. You'll need to use our other transaction entry options to keep these accounts updated instead.
  • If you're having trouble connecting to Chase via our import provider, Plaid, reconcile your accounts (be sure to do this first!) and then try removing and re-adding the connection. This will get you on their OAuth connection, a direct and more stable connection to Chase.
  • If you're having trouble connecting or importing transactions, make sure you don't have a duplicate connection to Chase. Chase will only allow the same login credentials to have one connection in YNAB at a time. Try removing one of the duplicate connections.

See target="_blank"Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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CIBC U.S. - Personal

  • YNABers have mentioned running into trouble connecting with two-factor authentication via text, and suggest using phone call verification, instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Citibank

  • If you have business and personal accounts with Citi, you may have better luck connecting to Plaid's CitiBusiness option.
  • Plaid doesn't currently support Citi's "Custom Cash" credit cards, so you'll need to use our other transaction entry options to keep it updated.
  • If you're having trouble connecting or importing transactions, make sure you don't have a duplicate connection to Citibank. Citibank will only allow the same login credentials to have one connection in YNAB at a time. Try removing one of the duplicate connections.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues. 

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Citizens Bank

  • MX has a separate "Citizens Bank Credit Card" connection. If you have a credit card with Citizens Bank, try connecting to that option instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Citizens Bank and Trust (MO)

  • Payees and Memos will import swapped around. You'll need to correct those manually, or use File-Based Importing to swap them automatically.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Commerce Bank

  • You may be presented with the same authentication question(s) while adding this connection. Answer all the questions presented in the session, even if it's prompted multiple times.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Discover Bank Account

  • Checks will not import due to Discover Bank's unique handling of their transaction ID numbers. If you would like to reach out to Discover Bank to encourage them to change their data format, you can let them know the 'FITID' should be unique for each check.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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ELAN CardMember Service

  • To create a connection, multiple attempts may be required in order to cycle through all the security questions you have set up on Elan's website.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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ENT Credit Union

  • If you are unable to link or import from your ENT credit card, try connecting through the institution called "ELAN CardMember Service."
  • Our import provider, Plaid, is unable to support business accounts with Ent Credit Union.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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E*Trade

  • Our import provider, MX, doesn't currently support the Security ID authentication method. You may be able to connect by setting up your account with a different authentication method. That said, though it may prevent you from using Direct Import, we don't recommend making any changes you're uncomfortable with or which will decrease your account security.
    If you prefer to keep this enabled, you'll need to use our other transaction entry options to keep accounts updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Fidelity

  • Fidelity currently limits third-party access during high volume times. You will hit an error if you try to connect during the following times: 9-10:30 am and 3-4:30pm EST. We recommend importing from Fidelity accounts between 5pm - 9am EST.
  • If you having trouble getting (or staying) connected, and there are different authentication methods available in your settings, you may have better luck setting up your account with another option. That said, though it may prevent you from using Direct Import, we don't recommend making any changes you're uncomfortable with or which will decrease your account security.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Fidelity Credit Card

  • You must first register your card through Elan Card Services before you can log into Fidelity Credit Card (a.k.a., fidelityrewards.com) in YNAB.
  • Fidelity displays transactions on their website with the transacted date, not the posted/cleared date, whereas YNAB imports the posted/cleared date. Something to keep in mind when reconciling your accounts.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Fidelity Investments

  • If your Fidelity Visa credit card (supported by Elan Financial Services) is missing from your connection to Fidelity Investments, try adding a new connection and searching for "Fidelity Credit Card" in the institution list.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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First Bankcard

  • It's expected that transactions will only import once a month, when the bank statement is posted. You can also use our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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First Citizens Bank - Digital Banking

  • If you're not receiving the one time password (OTP) code from First Citizens, you can call them to receive a secure code, that you can then use to connect in YNAB.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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First State Bank - Gainesville TX

  • First State Bank doesn't flag pending transactions, which means they'll import as cleared before the payee is finalized. When the posted version imports after clearing, there will be a correct payee.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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First Financial FCU of Maryland

  • If you see an "Action required" error, try going to your First Financial online banking and changing your home screen preference to show only the accounts (rather than the Year-to-Date summary, for example). Then retry the connection in YNAB.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Florida Credit Union

  • FCU will provide a fake phone number for the two-factor authentication method when invalid credentials are entered. If you don't recognize the phone number provided, try your credentials again making sure to manually enter them (rather than copying/pasting or using a password manager).

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Guaranty Bank

  • Guaranty Bank does not distinguish pending transactions in their data, so duplicates are expected to import if connected via our import provider, Plaid.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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HMBradley

  • In order to connect with HMBradley and link any HMBradley accounts in your budget, you'll need to generate credentials specifically for YNAB (rather than using the credentials you use to log in to your HMBradley account). Here's how to do that.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Home Depot Credit Card - Personal Credit Card

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Inland Bank

  • If you're having trouble connecting with Inland Bank, try searching for and connecting via Inland Bank - Personal, instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Island Savings Credit Union - Personal Banking

  • Due to how Island Savings Credit Union posts transactions, you may experience an import delay (for up to a week). If you'd rather not work with this delay, we suggest trying out our other transaction entry options to keep your accounts updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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KeyBank

  • In order to connect, Key Bank requires you to enable third party access in your banking portal. If you're not sure if this is already enabled, log into your Key Bank account and go to User Profile. Under Password and Security, click to enable third party access.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Kindred Credit Union

  • With Kindred, you may experience an import delays of up to a week. If you'd rather not work with this delay, we suggest trying our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Kwik Card

  • This connection only supports Kwik's "Data Tracker" account.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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M1 Finance

  • M1 Finance does not support transaction exports for use with our file-based import. You'll need to link your account or keep accounts updated by adding transactions as they occur.
  • Their support team encourages emailing them at [email protected] to submit a feature request saying you'd like easier access to your transaction data. This could be in the form of data files (like universally friendly QFX/QIF files) and/or the ability for third-party financial management programs (like YNAB) to have access to this read-only data.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Macy's - Citi Card

  • Macy's Credit Card online portal separates In-Store purchases and Out-of-Store purchases, however they will import into a single account in YNAB.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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  • If you are unable to connect, log into NFCU's online portal and clear any notifications from all profiles set up within the account. If you haven't already done so, you will also have to set up security questions through NFCU before being able to connect in YNAB.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Nicolet National Bank

  • Nicolet National Bank uses a third-party credit card processor we're currently unable to support. This means you won't see your credit card available to connect. You'll need to use our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Northway Bank

  • Northway Bank does not flag pending transactions, which means they'll import as cleared and before the payee is finalized. When the posted version imports after clearing in real life, the payee will be different and our import provider will think this is a new transaction. This may cause duplicates to import.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Northwest Christian Credit Union

  • If you're prompted to enter an email address for Northwest Christian Credit Union, be sure to use the email address associated with your online banking account.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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PayPal

PayPal's a tough one, we know. 😬

  • If you see a blank Secure Activation Code field, that means you need to register a security key in your PayPal settings.
  • Our import provider, MX, only supports English for PayPal's language settings. Other language settings will result in a connection error.
  • PayPal has added Google reCAPTCHA as a security feature, but this isn't something our import providers (and therefore we) are able to support.
  • PayPal reports foreign transactions in local currencies. This means it's expected for foreign transactions to import into YNAB with incorrect currency amounts.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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PNC

  • In order to connect, you'll need to make sure you've enrolled your mobile number with PNC. You can find instructions for how to do that here. After you enroll your number, head back to YNAB and try connecting again.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Pottery Barn Credit Card

  • If you are unable to connect, you may need to change your character count. Pottery Barn requires passwords to be 8-15 characters.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Royal Bank of Canada

  • When logging in directly to RBC, if you're routed to the French language version of the site, you'll need to contact RBC to change the default language for your account to English in order to connect in YNAB and import transactions.
  • RBC's online banking profile settings gives the option of logging in with a chosen username, or a client card number. If you're having trouble logging in with one version, you may try changing the selection on RBC's website and trying to connect in YNAB again.
  • Our import provider, MX, doesn't support CyberCode Token authentication for RBC. It does support security questions and one time passcodes sent to your contact number or email address.
  • RBC has a security setting that, when selected, will prompt for a security question on each login. The setting will need to be disabled in order to connect as it will cause a connection error any time our import provider tries to get transactions. You can disable it on RBC's online portal by going to "My Account" and then choosing "Sign-in protection preferences." (Note, this will not disable your entire Two-Factor Authentication method.)
    • To find "Sign-in protection preferences" click the tab to the left of My Accounts, called Products & Services.
    • Then select the Account Services tab.
    • Click Profile and Preferences.
    • From Profile and Preferences select Update My Preferences, then Sign In Protection Services.
    • This will open the window where you can disable the option to have RBC ask a security question upon every login.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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SoFi

  • SoFi only allows transactions to be downloaded as a PDF, which is not compatible with YNAB's File-Based Import. If you're up for it, we recommend submitting a feature request directly to SoFi mentioning that you want better industry-standard access to your transaction data (like QFX files).

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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South State Bank

  • If you have a credit card with South State Bank that isn't working for you (i.e., it's not connecting or importing), try creating a separate connection to the third-party issuer of the credit card. In the past, this has been Elan Financial Services, but this is subject to change so we recommend searching YNAB with the web address where you view your credit card history.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Starling (UK)

  • TrueLayer holds a single certificate with Starling to allow users to connect to third-party applications. This means that only one connection per user can exist at a time. If you use TrueLayer to connect to Starling in another application, or if you try to connect more than one account within YNAB, it is expected that only the most recent connection will have access to your data at Starling. All others will be disconnected.
  • Starling Savings Spaces should be added as Unlinked accounts in YNAB. Because the funds in a Savings Space live within a primary bank account (though the balance is kept separate), it is expected that Savings Spaces balances will not be updated even if they are available to link.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Synchrony Bank

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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TD Bank

  • If you're not receiving your authentication code, you may need to change your primary contact number to a cell phone number instead of a landline number in order to connect.
  • TD has asked all of its external providers, like our import providers, to access data during a limited time interval each day. This means TD customers may experience longer delays (i.e. 2-3 days) between transaction updates than for other financial institutions.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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TD Canada Trust

  • Using your card number instead of your username may help you get connected.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Tinker Federal Credit Union

  • If you’re having trouble getting connected, log in to Tinker FCU and check for messages/alerts. Then, try connecting in YNAB again. Still no luck? Try updating your security questions.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Tyndall Federal Credit Union

  • This connection works best when the account nickname at the credit union makes reference to the account type (checking, savings, credit card, etc.). For example, if a checking account is nicknamed "Personal", please login to Tyndall FCU and rename it "Personal Checking."

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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US Bank

  • When reconciling your accounts, keep in mind US Bank uses pending transactions to calculate balances.
  • Plaid doesn't support US Bank's Money Market accounts.
  • If you are seeing an error saying there's an action to take on US Bank's site, it may mean you need to give access to third parties (like our import provider, Plaid). To do so, check the My Controls tab on US Bank's website. There you should be able to control access to your US Bank account by third parties, ensuring you've granted access to YNAB/Plaid.
  • If you're having trouble connecting or importing transactions, make sure you don't have a duplicate connection to US Bank. US Bank will only allow the same login credentials to have one connection in YNAB at a time. Try removing one of the duplicate connections.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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UBS Online Services

  • If you're having trouble connecting, log in to UBS Online Services and go to Profile Settings. Enroll for Account Aggregation Services, select 'Fiserv - AllData by Fiserv' and click on the 'Enroll' button to begin the online enrollment process.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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University Federal Credit Union (TX) - Online Banking

  • The credit union has two separate credentials: one for their online banking, and another for mobile banking. Please use your online banking credentials for the connection in YNAB.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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USAA

  • Our import providers, MX and Plaid, both have an OAuth connection to USAA that doesn't provide pending transactions.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Vancity Credit Union

  • If you're getting a connection error and are being asked for a "Personal Access Code," try entering your online banking password in that field instead.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Walmart Credit Card

  • If your Walmart Credit Card is serviced by Capital One, connect that card via the "Capital One" option. You'll need to use our other transaction entry options to keep it updated.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Wealthfront

  • In order to connect your account, you may need to create and use an app-specific password in Wealthfront.
  • Plaid doesn't currently support Joint Cash Accounts.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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WECU

  • Due to the way WECU formats their data files, credit card transactions will import with reversed inflow and outflow amounts. You'll need adjust them manually or use file-based importing instead to quickly reverse them before bringing them into your account register.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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Wells Fargo

  • If you're unable to complete the log-in process when redirected to Wells Fargo's website, try these troubleshooting steps:
    • Log into the YNAB web app through an Incognito/Private window and/or from a different browser, then try the Wells Fargo connection again.
    • Try the Wells Fargo connection from the YNAB mobile app.

See Troubleshooting Linked Accounts for more help with connection, transaction, and account issues.

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