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Comment by cocoa19 | Hacker News Reader

One of the biggest shortcomings is it doesn't download bank information reliably. If you're lucky, your main bank supports OFX and the plugins work for you. It doesn't work for me.

I've thought of starting an open source plaid alternative, scraping webpage information, but dealing with sensitive information and the banks changing undocumented interfaces have scared me away.

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I struggle with the same thing. I'm the author of My Budget, and struggle to find OFX credentials to pull transaction details back.

Would you consider taking up the open-source plaid alternative? I've talked to someone who shared some great ideas with me how it can work. We can work on it together.

Yep, loss of OFX was the impetus for me to finally leave Capital One. They gave me the runaround for a week then admitted they turned off OFX, after trying to blame my software (Moneydance, which I highly recommend).

Where did you go? It's hard to find any US bank that supports it any more, let alone one with decent interest rates.

USAA. Chase does, too, though I only use them for credit credit cards. Citi the same. I also know that E*Trade and Schwab do.

For USAA you need a military angle to get in. My dad served in the Army, so that was enough. If you have any close relatives that have served, you can get an account.

Check out the startup Plaid, their whole business is to be the API for services like Mint and YNAB.

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