Importing greatly depends how well your bank/credit card plays ball. Most banks don't have any incentive to participate and newer security features like 2fa have made it harder/impossible. I do have one bank that grants application tokens for read-only access. The setup UX wasn't awesome, but I wish that was standard.

Unfortunately, I doubt YNAB can just ask people to move banks. Honestly, that, a web interface, and how speedy ACH payments are processed are kind of my highest priorities and would switch banks just for that. But those are all hard to impossible to assess without opening an account. I had a credit union get very confused when I asked if they had a demo of their web UI before I opened an account. I imagine I was the first to ask.