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A comment on Ask HN: What automation tools have you used to replace mundane activities?. Parent comment

Re:Ask HN: What automation tools have you used to replace mu... by derefr on Monday February 17, 2020 @11:31AM (#22348783)
A banking "statement" usually refers to a PDF you can download; the electronic version of the thing they'd previously send you by mail.

The online banking CRUD interface might have up-to-date data, but it isn't an API, and being behind some weird proprietary single-sign-on setup makes it pretty hard to scrape, too.

> Also, your bank allows you to log in with just a username/password ?

Yes, this is common in the US (and here in Canada, too.) We sometimes get asked for "security questions", but support for 2FA is extremely rare, and I don't think there's any bank in North America that requires 2FA to login to your online banking. (The "government or bank issues you a smart card that can be used for session encryption; bank issues you an adapter to plug it into your computer" thing doesn't happen here.)

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Re:Ask HN: What automation tools have you used to replace mu... by Aaargh20318 on Monday February 17, 2020 @01:31PM (#22349480)
> The online banking CRUD interface might have up-to-date data, but it isn't an API, and being behind some weird proprietary single-sign-on setup makes it pretty hard to scrape, too.

That’a why they also provide an API. They are required by law to do so (https://en.wikipedia.org/wiki/Payment_Services_Directive)

> I don't think there's any bank in North America that requires 2FA to login to your online banking.

This is required by the same law.

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Re:Ask HN: What automation tools have you used to replace mu... by soverance on Monday February 17, 2020 @05:19PM (#22351429)
Bank of America only added 2FA as an opt-in option starting in 2017. It is most definitely not required... Law or not.

I'm pretty certain it's the same way with every other major US bank.

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Re:Ask HN: What automation tools have you used to replace mu... by sobani on Tuesday February 18, 2020 @04:09AM (#22354561)
@Aaargh20318 could've mentioned that he linked to the EU laws about banking.
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Re:Ask HN: What automation tools have you used to replace mu... by sobani on Tuesday February 18, 2020 @04:11AM (#22354565)
> > I don't think there's any bank in North America that requires 2FA to login to your online banking.

> This is required by the same law.

FYI: no bank has to follow EU laws in North America.

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