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All my budgeting apps work fine (merchant name can be a little bit of a mess sometimes) since the transactions come through individually in my bank.

Not 100% sure since don't use those apps, I actually pay for privacy.com to obfuscate what the money was spent on so my bank doesn't know either in it's budgeting view. But if you don't do that I think budgeting apps should be able to work, since the merchant name is passed through in the transaction metadata. Bank of America correctly categorized transactions before I disabled this, so I imagine your other apps might work.

Don't use Plaid. https://www.reuters.com/legal/litigation/fintech-firm-plaid-...