I'll give the opposing opinion that YNAB's auto-import works well for me (I use it with a local credit union, 2 credit cards, and an online savings account). In fact, I used my own homebrew budgeting software for over a year before I found that YNAB exists and does everything I needed from my own software plus imports from banks automatically which was my biggest pain point with my own solution (it involved painful csv exports every month). I have been happy with YNAB for a year and a half at this point. Your luck may depend on which bank(s) you want it to work with. I believe their bank import api provider was recently acquired by Plaid so they are now using Plaid (as I understand it).