Direct Import Watchlist Institutions

Our "Watchlist" institutions are the financial institutions with the most activity, so we pay extra special attention to them by monitoring the connection stats in order to proactively identify potential widespread issues. We'll update our status page when we confirm a transient widespread issue, and we'll also include that information in this article. 

In addition to transient issues, this article will also include any persistent issues or special insight/suggestions from our import providers in order to help get you connected or stay informed. 

Note: Not all financial institutions on the Watchlist have a known issue or special insight/suggestions. If there is, select your bank name in the table below to find more information. 

Didn't find what you're looking for here? We've got more options!


Watchlist Institutions

AlaskaUSA Federal Credit Union Citizens Bank PayPal
Alliant Credit Union Discover PNC
Ally Bank E*Trade President's Choice Financial
Amazon Credit Card ELAN CardMember Service PSECU
America First Credit Union Fidelity Regions Bank
American Express Credit Card Fifth Third Bank Royal Bank of Canada/RBC Royal Bank
American Express Personal Savings First Bank Colorado Scotiabank
Banana Republic First Horizon Bank SoFi
Bank of America First Tech Federal Credit Union State Employees Credit Union (NC)
Bank of Montreal Home Depot Credit Card Synchrony Bank
Barclaycard Huntington Bank Synchrony Financial
Best Buy Kohl's Tangerine
Betterment Lake Michigan CU Target REDCard/Credit Card
Boeing Employee Credit Union Lowe's TD Bank
Capital One Macy's Credit Card TD Canada Trust
Charles Schwab US Marcus by Goldman Sachs Truist
Chase MBNA US Bank
Chime Navy Federal Credit Union USAA
CIBC Nordstorm Venmo
Citibank
Old Navy Credit Card
Wells Fargo

Alliant Credit Union

  • There is currently a widespread transaction issue on Alliant Credit Union connections. Please see our Status Page for details and further updates.
  • 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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Amazon Credit Card

  • Via Chase: If you're having trouble establishing a connection, try connecting directly to "Chase Bank" instead.
  • Via Synchrony: Statement credits/rewards will not import.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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American Express Credit Card

  • Our Direct Import providers have confirmed that they are hitting continual connection and transaction inconsistencies with American Express. Typically this happens if there was a change made to the bank’s online platform, requiring our third-party provider to make some corresponding changes on their end. They’re actively working on it so you may see intermittent success, but they have not provided a timeline for a widespread resolution
  • 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).

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Bank of Montreal

  • There is currently a widespread issue with Bank of Montreal. Please see our Status Page for further details and updates.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Betterment

  • You'll need to set up an App Password in order to connect!

How to Set Up an App Password

  1. Log in to your Betterment account.
  2. Access your settings page
  3. Click Security in the tabs on the page.
  4. Click generate a new app password.
  5. Follow the security instructions, naming the app password, and copying the password it generates.
  6. Return to YNAB, using this password with your username to log on.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.
  • 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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Charles Schwab US

  • If you're trying to connect cash-based accounts (e.g., checking, savings, etc.), try connecting to "Charles Schwab Bank", instead of "Charles Schwab US". 

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Citibank

  • There is a widespread issue with Citibank at the moment. Please visit our Status Page for details and updates.
  • If you're unable to reauthorize your connection:
    • Please update to the latest version of the Citi mobile app 
    • If you are to trying to log in using biometrics, please try logging into Citi by typing in your username and password instead.
  • 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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc! 

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Home Depot Credit Card - Personal Credit Card

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Macy's Credit 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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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PNC

  • There is a widespread issue on PNC at the moment. Please visit our Status Page for details and updates.
  • 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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Royal Bank of Canada/RBC Royal Bank

  • 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 as follows (note: this will not disable your entire Two-Factor Authentication method):
    • Go to My Accounts at the top of your online banking page followed by Profile & Account Settings directly underneath.
    • Choose Security from the lefthand menu.
    • Under Signing in, click Security questions (you'll land on an old version of RBC's site so don't be alarmed!)
    • Click Update My Preferences from the lefthand menu followed by Sign In Protection Preferences.
    • Finally, make sure the box before "Ask me at least one PVQ each time I sign in" is unchecked.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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).

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Synchrony Bank

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Tangerine

  • There is a widespread issue on Tangerine at the moment. Please visit our Status Page for details and updates.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Target Credit Card

  • Our import provider, MX, had to disable Target Credit Card while they work to improve the integration. An unfortunate side effect of the issue is getting locked out of your online banking, so you'll need to need to remove the connection in order to avoid that. In the meantime, use our other transaction entry options to keep it updated.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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TD Canada Trust

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

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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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'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. If there is a duplicate, try removing one of the connections.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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USAA

  • If transactions from a joint account aren't importing, add a connection using the primary account holder's credentials and link the joint account to that connection instead.
  • Our import providers, MX and Plaid, both have an OAuth connection to USAA that doesn't provide pending transactions.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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Wells Fargo

  • If you're unable to complete the log-in process when redirected to Wells Fargo's website, go ahead and try: 
    • Logging into the YNAB web app through an Incognito/Private window and/or from a different browser and trying the Wells Fargo connection again.
    • Trying the Wells Fargo connection from the YNAB mobile app.

For more help with connection, transaction, or account issues, be sure to check out our additional troubleshooting resources at the top of this doc!

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