US Banks That Offer Transaction History?

wirelessdreamer writes "I use a bank in the US that will only allow me to download transaction history in CSV for the previous three months. I have a hard time remembering to pull my transaction history down every three months, and would gladly jump ship to another bank if there is one that lets me download, say three years' worth of transaction history as one of the standard services. Then I can import my data into MySQL and run some reports on it, which is all I'm looking for." What banks out there do the best job at providing users with simple, downloadable data?

Comments

Bank of America

[Eleed]

offers what seems to be unlimited download of transaction history. I pulled 2 years worth a few months ago.

Re:Bank of America

[dziban303]

I think submitter should discover something called a "calendar" and write "download bank data" every three months.

He could even use an electronic, automated, free calendar like the one Google offers, and have reminders sent to his email/phone.

Re:Bank of America

[Albanach]

Having had multiple accounts with them for over five years, I don't recall being charged a fee once.

Either you heard wrong, or are doing something wrong.

DCU

[susehat]

Digital Federal Credit Union seems to let one pull for as long as they have been a member. And they have multiple formats!

Credit Union

[DogDude]

There's no reason for *anybody* except for the absolute wealthiest to use banks. Use a credit union. Most credit unions provide much better service (including more than 3 months' transaction history).

Re:Credit Union

[siddesu]

Yes, you just need to make sure your credit union is federally insured against a default. Reading the FAQ on federal insurance of credit unions, it would seem not all of them are.

http://www.ncua.gov/Resources/ShareInsurance/NCUAInsuranceFundFAQs.htm

Re:Credit Union

[Stiletto]

Bank industry FUD. Lots of credit unions offer free ATM services to members of other credit unions. So during the time it takes to join a different credit union after you move, you can almost always find local ATMs that will accept transactions.

Another service

[Georules]

Mint.com is pretty great for connecting to whatever bank you have and it'll download your reports and also automatic categorization. I have almost 2 years of data in it, and they let you download it all CSV. It also has me in the habit of checking all of my accounts once a week, by just logging onto one website. Nice way to be on top of anything that might be fraudulent.

Re:Another service

[gonz]

Mint.com is pretty great for connecting to whatever bank you have and it'll download your reports and also automatic categorization. I have almost 2 years of data in it, and they let you download it all CSV. It also has me in the habit of checking all of my accounts once a week, by just logging onto one website. Nice way to be on top of anything that might be fraudulent.

What about the privacy issues of a public web site that tracks a household's entire financial profile? Intuit's claim:

"We make money only when you do - We give you personalized ideas on how to save money by presenting the greatest savings from among thousands of financial products. If you decide to make a change that saves you some cash, we sometimes earn a small fee from the bank or company you switch to. You save a lot; we make a little."

And in the Privacy and Security Policy: "Simply put, we do not and will not sell or rent your personal information to anyone, for any reason, at any time."

But they DO seem to sell your information, as long as the data format can be construed as "anonymous" (before being combined with whatever other datasets the buyer might have):

"Intuit may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:

• Advertisers and other third parties for their marketing and promotional purposes, such as the number of users who applied for a credit card or how many users clicked on a particular Intuit Offer;
• Organizations approved by Intuit that conduct research into consumer spending; [...]

I'd be willing to bet they make a lot from these sales. "You save a lot; we make a little" indeed. Even if Intuit's current intentions are 100% honorable, let's not overlook the ubiquitous "we can change what you agreed to without your consent" clause in the Terms Of Service:

"Intuit may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on the Mint.com site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted."

This practice is where all the privacy trouble started with FaceBook. I have no idea how it's legally enforceable, but somehow it is, and in fact it's standard boilerplate for TOS contracts everywhere. :-)

Bank of America

[FadedTimes]

Bank of America has 1 year of transactions available online. You can download in various formats.

WEB Connect for Quicken 2007 and above, Statement Download for Money 2007 and above, Managing Your Money - QIF file (2 digit)
, Quicken and Microsoft Money - QIF file (4 digit), Microsoft Excel Format, Printable Text Format.

In addition, some local banks may also offer up to 1 year worth of items online and various download formats. Just call them and ask for a demo or specifically ask about amount of months and what formats are available.

Re:Wells Fargo

[Myopic]

The notion of ATM fees angers me. Banks built and instituted these machines in order to save themselves money because now they don't have to pay a human to hand out cash. For us to pay, in order for them to save money, as asinine.

That is why I bank with USAA, which refunds all ATM fees for any ATM I use, no matter what. As a bonus, they also refund all debit card fees, which is gravy because the stores pay that fee, not me.

Wells Fargo

[Art3x]

Wells Fargo lets you download up to 1.5 years as a CSV (also Quicken and Microsoft Money formats, for what they're worth).

It lets you download PDFs of statements for the past 7 years.

Re:You might have to pay to get the records

[flappinbooger]

One of them gave me a stack of post-dated checks on which I highlighted the date to avoid confusion and even went so far as to confirm the teller knew they were post-dated

I would love to hear your thoughts on how this could have been prevented from our end.

Not giving post dated checks to the bank?