[ncallaway]

I just never could bring myself to enter my bank password into Plaid.

Sure “everyone does it”, but most banks have disclaimers in their terms of service that if you lose money because your password was compromised through password sharing they aren’t liable for that loss.

I instead built a series of playwright scripts to automate signing into my bank accounts and downloading the CV, then importing (to lunch money, but I might take a look at this later as an option).

[zzyzxd]

Chase is the only US bank I know that provides a proper API for plaid to connect to (plaid redirects you to chase.com for login, you acknowledge, and then give plaid an oauth token for read-only access). I don't have an impression that chase is particular tech-savvy comparing to other banks and I wonder why other banks cannot support this.

[ncallaway]

The EU has an open banking API regulation that requires banks to make such an API available, without having to do password sharing.

https://www.bloomberg.com/professional/blog/europes-new-api-...

There's no reason (beyond the general dysfunction of our legislature) that the US couldn't pass a similar law. Failing to do so is holding back out banking industry and making us all dramatically less secure.

We desperately need to mandate banks provide this kind of access. It's absolutely ludicrous that I don't have a way to give various services READ-ONLY access to my bank account information. It seems intolerable to me that I would have to give WRITE access to Plaid for them to enable someone to categorize my transactions.