[mumblemumble]

They are using Plaid, and yeah, it varies wildly by bank.

FWIW, I don't know that having a bank that doesn't play nice with Plaid is a deal-killer. There is a school of thought among many YNAB users that you should not use the auto-import, or even csv/ofx/whatever import, because manually entering transactions takes only a few minutes a day, and gives you much better awareness of your outflows. I can see some merit to that, insofar as tightly controlling your spending is kind of YNAB's whole thing.

[jonjohn84]

Even with auto-import, you still have to "approve" each individual transaction that is imported, at which time you can assign it to a category (or approve the auto-suggested category). So that works for me in terms of being aware of spending on a regular basis. And if you manually enter some transactions as you spend, it automatically matches them up with your bank's version of those transactions as you import so you don't end up with duplicates. So it's okay to use it in a hybrid mode where you sometimes enter transactions manually and sometimes wait for them to show up automatically.