Banks that interface well with Plaid?

[ghost-cell]

I'm trying to connect Plaid to my bank, but it keeps saying "error." Does anyone know which banks flawlessly connect to Plaid? Mine is technically listed as an option, but it won't let me connect it (possibly because I have 2 factor authentication on mine?) 

[Toastmaster]

When Plaid works, it's greatttttt.  When it doesn't, it sucks. 😂 Not plaid itself, but the not syncing part.

To answer your question though.

1.  Navy Federal Credit Union

2.  Empower Federal Credit Union

3.  Citizens Bank

Those 3 work perfect.  I know because I have them.  

Capital One bank or credit card does NOT play well with Plaid.  I've never gotten either to sync.

[IntegerIntrovert]

I can vouch for the following.

Us Bank

FirstTechFed

Don't forget to disable AD blockers, VPN, etc...

[SB_F]

Bank OZK sometimes but great bank anyway except cc's are subbed out.

Always have problems w/ these on plaid.

Cap1

PenFed

All of these experiences were using YNAB which I highly recommend over other budget tools I have tried.

[Toastmaster]

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@SB_F wrote:

Bank OZK sometime but great bank anyway except cc's are subbed oout.

Always have problems w/ these on plaid.:

Cap1

PenFed

All of these experiences were using YNAB which I highly recommend over other budget tools I have tried.

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YNAB is excellent, but ONLY once you have a handle on your cash flow.  Until then I would recommend the following three apps.

1.  Emma

2.  True Bill

3.  Honey Due

All three are phenomenal but I listed them in order of best to least best 

If a person does not need to sync with banks and prefer to enter transactions manually, then the app called Blue Coins is outstanding!

But yes, YNAB is amazing.  "Age of Money" is the best feature!

[Toastmaster]

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@SB_F wrote:

Bank OZK sometime but great bank anyway except cc's are subbed oout.

Always have problems w/ these on plaid.:

Cap1

PenFed

All of these experiences were using YNAB which I highly recommend over other budget tools I have tried.

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Quick question. What bank are you using that is not working?

[SB_F]

@Toastmaster 

I used to pay attention to the Age of Money thinking that gave you an idea of how long you could continue spending at your current rate if incoming funds were cut off (what kind of cushion I had). I always knew that's really not what it meant, but apparently some folks used that as their cash flow management system and overdrafted and missed bills. I can't remember if I read that on here or on YNABs forum. I'm on YNAB almost every day, but couldn't guess what my days are right now.

OK, I had to look. 96 days which is where it was a year or two ago. I wish I had paid more attention to what that number did when paying off car ($13K) and funding my Roth IRA. Not sure how you use it, but it was a MAJOR motivator for me watching the Age of Money grow from a few days to a week to 30 days and to 60 and to 90! And I appreciate the "permission to spend" it effectively gives you for planned spending. Monthly funding in advance for beach vacations, Christmas, birthdays, new clothing, car and house maintenance and even for annual subscriptions like YNAB and Amazon make it so easy and painless to just pay when the bill arrives. Definitely makes vacations a lot more relaxing without worrying what I spend (within budget of course).

I wish I had seen those others earlier. I'll check them out. I tried but didn't like Every Dollar, as it didn't balance your checkbook on an ongoing basis like YNAB. But I admit I had a couple of Ah-Hah moments with YNAB when I couldn't figure out why they did certain things that seemed counter intuitive. Of course they were right and I was wrong most of the time.

[SB_F]

@Toastmaster 

From my experience, Cap1 and Penfed used to work but do not now.

[Toastmaster]

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@SB_F wrote:

@Toastmaster 

I used to pay attention to the Age of Money thinking that gave you an idea of how long you could continue spending at your current rate if incoming funds were cut off (what kind of cushion I had). I always knew that's really not what it meant, but apparently some folks used that as their cash flow management system and overdrafted and missed bills. I can't remember if I read that on here or on YNABs forum. I'm on YNAB almost every day, but couldn't guess what my days are right now.

OK, I had to look. 96 days which is where it was a year or two ago. I wish I had paid more attention to what that number did when paying off car ($13K) and funding my Roth IRA. Not sure how you use it, but it was a MAJOR motivator for me watching the Age of Money grow from a few days to a week to 30 days and to 60 and to 90! And I appreciate the "permission to spend" it effectively gives you for planned spending. Monthly funding in advance for beach vacations, Christmas, birthdays, new clothing, car and house maintenance and even for annual subscriptions like YNAB and Amazon make it so easy and painless to just pay when the bill arrives. Definitely makes vacations a lot more relaxing without worrying what I spend (within budget of course).

I wish I had seen those others earlier. I'll check them out. I tried but didn't like Every Dollar, as it didn't balance your checkbook on an ongoing basis like YNAB. But I admit I had a couple of Ah-Hah moments with YNAB when I couldn't figure out why they did certain things that seemed counter intuitive. Of course they were right and I was wrong most of the time.

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96!!!!!! OMG!  That's AMAZING!!!!! ❤️❤️❤️❤️❤️❤️❤️ 

The only reason I gave YNAB another shot was that I discovered this guy named Nick True on YouTube.  He should honestly do all of YNAB's videos because everything makes sense when he says it LOL.  Watching YNAB's own instructional videos are confusing!  But I watched 40 minutes of Nick True then all of a sudden everything made sense and it was obvious that YNAB is the superior software but then it also became obvious why it only works when you're at a certain level intellectually hahaha!

CONGRATS!!! That's HUGE!  That's Nick's goal too! 90 days for entrepreneurs, 30-45 days for everyone else.

For everyone that follows this comment, go here to know what we're talking about:

https://youtu.be/ajqpkIMFgZo

Then download the app and go here to learn how to use it:

https://youtu.be/xPVEB759gkU

[SB_F]

I like Nick's videos too. Very informative. The YNAB videos are pretty amateur and not as useful. Maybe meant to relate to younger folks.