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USAA Credit Card CSV flipping debit/credit

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Ted

18 Jul, 2024 10:54 PM

I've been using CSV import since USAA stopped offering OFX last year. Fortunately it's pretty straightforward:

1. From usaa.com, select the account, Export, choose date range, export.
2. Drag the exported CSV onto Moneydance while the correct account is selected.
3. Don't change the defaults, just import as-is

This has worked great for a year. Today when I downloaded a month of USAA transactions, all of the credit card debits came in as credits and vice-versa. I tried re-downloading the file and got the same results. In the end I opened the CSV in Excel and made a new column that was (for example) =A1*-1. Then I copied the reversed values and pasted special as value on top of the original. I deleted the new column and saved.

I know about File > Preferences > Network > Ignore Transaction Types...., but that setting had no effect on the import.

I'm posting this here in case anyone else runs into the same issue and thinks MD has gone crazy. Nope, just USAA. How long until they completely break CSV?

1. 1 Posted by dtd on 18 Jul, 2024 11:55 PM

   

   I'm one of the two people (Stuart was the software coder, I was documentation) who kept OFX going till last year (USAA really abandoned OFX for software like Moneydance in 2021).

   I was going to suggest Ignore Transaction Types until I saw you mention it.

   USAA doesn't want you to be able to get your data from them...

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2. 2 Posted by Ted on 19 Jul, 2024 12:07 AM

   

   I'm one of the two people (Stuart was the software coder, I was documentation) who kept OFX going till last year

   And I really appreciate that, believe me. I've been here every step of the way following your updates until USAA killed it for good..

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3. 3 Posted by dwg on 19 Jul, 2024 12:54 AM

   

   The ignore transaction type only works with OFX and works there because of the structure of OFX data i.e. there are two indicators the sign and the transaction type. Unless CSV data has separate debit and credit columns you are totally reliant on the sign.

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4. 4 Posted by dtd on 19 Jul, 2024 03:13 AM

   

   Given Schwab and Chase also abandoned OFX, I finally capitulated and got Md+/Plaid, which I don't like, but at least works for me (with a significant download delay of 3-7 days), and USAA does work as well (with delays).

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5. 5 Posted by dtd on 19 Jul, 2024 03:14 AM

   

   Anything that works with OFX, I keep with OFX... (Vanguard, Fidelity Investments, others)

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6. 6 Posted by dwg on 19 Jul, 2024 03:26 AM

   

   3-7 days suggests that perhaps Plaid and not running updates often enough. Of course who knows what arrangements they may have with the institutions.

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7. 7 Posted by dtd on 19 Jul, 2024 03:37 AM

   

   3 days is normal - 7 days is weekends or holidays.

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8. 8 Posted by Stuart Beesley ... on 19 Jul, 2024 05:50 AM

   

   There’s an easier way to flip the sign now in MD2024.

   Run the import. Select the uncleared txn filter so only the new txns with the blue dot appear. CMD-A select all. Right click. Batch change, amount (default is *-1) OK

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9. 9 Posted by Ted on 20 Jul, 2024 06:57 PM

   

   Good to know, Stuart. Thanks for that tip!

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10. 10 Posted by Doug on 18 Aug, 2024 10:14 PM

    

    Thanks to Ted and Stuart. Ted for bringing this up for discussion and Stuart for giving us a work around.

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