Wells Fargo Hit with $1B in Fines

Re:Wells Fargo Hit with $1B in Fines by jahabrewer on Friday April 20, 2018 @02:56PM (#16887536)

Buy YNAB 4 (aka YNAB Classic). You'll have to import transactions manually, but I much prefer it to their subscription SaaS offering. I've used it for five years and love it.

I use a python script to download most transactions from banks/credit cards. https://sites.google.com/site/pocketsense/home/msmoneyfixp1/...

There are enough people who do this that you can figure out how to access the OFX endpoint for most financial institutions.

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Re:Wells Fargo Hit with $1B in Fines by aeorgnoieang on Friday April 20, 2018 @03:13PM (#16887675)

You can import transactions manually into NYNAB (the new web version).

One problem I have with relying on OFX is that I have a nagging suspicion that it's not as 'official' as the statements. If there were a discrepancy between the two, I'd worry that I wouldn't be able to resolve it in my favor without having reviewed (and thus downloaded and reconciled against) the statements.

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Re:Wells Fargo Hit with $1B in Fines by komali2 on Friday April 20, 2018 @03:22PM (#16887738)

I was in your same boat until the SaaS offering started really figuring out how to do credit cards. Now, it's finally the better of the two options for me.

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Re:Wells Fargo Hit with $1B in Fines by bombledmonk on Friday April 20, 2018 @02:49PM (#16887467)

There's yet another thing that's needed industry wide. Oauth or similar concept with read only access to a data api.

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Re:Wells Fargo Hit with $1B in Fines by woolvalley on Friday April 20, 2018 @04:20PM (#16888172)

We used to with something like quicken, but most banks half ass it.

I really think the state of how bad consumer bank integration tech is has led to this reality of login and scrape that you have with yodlee & co.

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Re:Wells Fargo Hit with $1B in Fines by madamelic on Friday April 20, 2018 @03:05PM (#16887616)

plaid.com

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Re:Wells Fargo Hit with $1B in Fines by mwexler on Friday April 20, 2018 @03:57PM (#16888012)

And Yodlee. Quovo. Tink. Finicity. A zillion others. This is where modern banking data is moving, for better or worse. I think it's better, but the world is still on it's first steps in this "more open" financial data linking space.

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Re:Wells Fargo Hit with $1B in Fines by sangnoir on Friday April 20, 2018 @08:55PM (#16889428)

plaid asks for your online banking password.

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Re:Wells Fargo Hit with $1B in Fines by komali2 on Friday April 20, 2018 @03:21PM (#16887734)

If you want auto-import, yes.

Otherwise, it requires only an email (and that you pay them 5$/monthly somehow. Paypal, credit card, whatever).

If you don't want auto-import (which doesn't even work for my credit union anyway), you can uploads .csvs, or manually input your transactions.

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Re:Wells Fargo Hit with $1B in Fines by gascan on Friday April 20, 2018 @02:40PM (#16887396)

If you're concerned about that, you can always go with desktop software. Quicken will do "virtual accounts".

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Re:Wells Fargo Hit with $1B in Fines by dredmorbius on Friday April 20, 2018 @03:45PM (#16887935)

Or Free Software alternatives such as GNUcash.

LWN have a current "Grumpy Editor" series article on Beancount:

https://lwn.net/Articles/751874/

And an older one from 2009:

https://lwn.net/Articles/314577/

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