41–50 of 62 posts
y, I think providing your credentials is a bad idea and haven't done it. This came up in a thread a few weeks ago. I can't believe banks aren't required to provide a read-only access and/or API to your account. That would be a great solution for rolling your own budget tracker and allowing access for services like mint. Does anyone know if any banks have read-only passwords or an api?
I also get an incredibly powerful mobile app, free checking, and ATM fee reimbursement.
The interesting part is that I was able to hook up those external bank accounts without providing username and passwords to USAA.
Note, their banking services are available to anybody, even non-military.
Yes, I've been a mint user since well before they were bought by Intuit. I didn't think it was a bad idea, because it is clearly explained that Mint can't make changes to your accounts. It is only used for query. I am under the impression that the banks only allow Mint query capabilities. They've lately released a new service called "Mint Bills"-- which does make changes but that is separate from their main "Mint" se…
> I didn't think it was a bad idea, because it is clearly explained that Mint can't make changes to your accounts. Mint can do anything that you could do with the same credentials. Unless you have read-only credentials, they can technically make changes using your details.
However, as others have stated, they view the convenience gained to be worthwhile enough to sacrifice the security of their accounts. Plus, I'm sure they asses the probability of Mint (and their employees, contractors, etc) using this information in any way other than "read-only" (at least intentionally) to be very close to zero.
I use USAA, and it aggregates my accounts from multiple other sources all by itself. I log in to USAA and see my vanguard retirement investments, my joint checking account that I share with my wife, and my daughter's college savings account from another bank. I also see my mastercard bill and my insurance bills. I also get an incredibly powerful mobile app, free checking, and ATM fee reimbursement. The interesting pa…
I'm actually curious about this. How do popular web apps store your id/pw for other sites? I know personally that Mint (Yodlee), Zenefits, TriNet Expense, and BoA all log into other sites but I'm curious how/where they store the passwords? If they create a scraper then it means they have to store the password (encrypted) and then decrypt it so the scraper can use it? What happens if a master app (let's use Zenefits a…
Yes, I've been a mint user since well before they were bought by Intuit. I didn't think it was a bad idea, because it is clearly explained that Mint can't make changes to your accounts. It is only used for query. I am under the impression that the banks only allow Mint query capabilities. They've lately released a new service called "Mint Bills"-- which does make changes but that is separate from their main "Mint" se…