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Ability to schedule account updates [edited] (1 Merged Vote)

TVee54

Every time I log in, I have to go through a two-factor text message with my retirement and college savings accounts. I don't actually need to check those accounts that often, I'd love to be able to tell Simplifi to only connect to those accounts weekly, or monthly.

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Online Banking

Feature Request

Status: Completed

Comments

khad

This idea occurred to me because Simplifi prompts me for an MFA code for my Bank of America account every single time I sign in. It's incredibly annoying – and it wouldn't be if Simplifi used their OAuth API, but I digress. I don't even really use the account very much, so it's kind of extra annoying because it's an account I don't even really need to have updated very often.

I'd love to tell Simplifi to update the account less frequently, like once a month or whatever. I have other accounts that don't even provide OAuth APIs, so their MFA problems aren't going away anytime soon. This would help with those accounts too.

quincy_the_iguana

My problem: Whenever I log onto simplifi (including everytime I open the app from my phone) it tries to refresh all of my accounts. This is fine, except that a couple of my accounts require 2-factor authentication everytime they're accessed (and I can't turn it off, nor do I want to). This means every time I switch to the Simplifi app, I get 3-4 text messages / emails, and simplifi prompts me to fill them in.

To make matters worse, two of the accounts are linked to my wife's info, so I don't have direct access to them unless she's around at the time. And she doesn't know why she's getting the messages. I have to warn her before I open the app.

I don't really care how this is solved, but here's my proposed solution: Currently it seems there are two types of accounts. Ones that are connected to banks (that automatically refresh) and manual accounts. I would like to be able to mark the ones that are connected to banks as "manually refresh", and require that they only get refreshed when I click refresh in the app (e.g. opt out of all auto-refreshes).

Another option would simply be a way to quickly mark accounts as opted out of all refreshes (but leave them connected to the institution). That way I can leave my "problem" accounts as opted out, and then opt them in whenever I want to actually deal with the 2 factor codes.

TheNigerianPrince

I have this issue with Venmo and it's indeed frustrating to get a 2FA email every time I open Simplifi. Particularly because I only occasionally use the account right now. It would be great to be able to configure account refresh frequency, and I'm adding my vote.

But for now, I think I'll just make the account manual and reconnect when I actually know I have transactions that need downloading. That's a potential workaround. I think I'd rather do the few extra clicks to reconnect for the odd monthly transaction than get these emails 1-2 times every day.

jtscanlon

Agreed — I have the same issue with Venmo (for both my Venmo and my wife's Venmo account) and it drives me CRAZY. We don't need to update that account every time I open the site or app — the option to refresh specific linked accounts manually (vs every time the app/site opens) would be VERY welcome, and probably very easy to implement… please!

EL1234

I have the same problem with a store credit card that I use probably twice a year. Every time Simplifi refreshes, it emails me a code! I'd like to have it refresh on a schedule (say, once a week, or after the statement closes), or click a button to specifically refresh that account.

S'lee

https://community.simplifimoney.com/discussion/comment/15039#Comment_15039

Thanks for the work around. I hope there is a better fix soon, but this will safe me much grief!

Books

+1 on a feature to disable automatic refresh for some/all accounts.

My partner gets a text from Vemmo for an MFA code every time we open Simplifi. I've disconnected the account as a workaround. Would be much more nice to be able to manually trigger this when needed.

Less annoying: Two of my other accounts fire secondary authentication modals on login, but at least those can be dismissed before they push out notifications.

RyanB

I have four accounts that do not need to be downloaded all the time and get MFA popups ALL THE TIME - specifically Mortgage, 529, IRA and 401k. The mortgage account only changes once a month. For the 529s monthly is enough. Weekly on the IRA and 401k would be good, but monthly is fine.

Easy solution - Monthly/weekly/daily update options on the setting for each account. Better option - automatically learn when accounts update and dynamically adjust the schedule while still allowing manual changes.

BrentGT

Certain accounts do not need to be polled on each refresh. Two examples:

A mortgage account could only be polled once or twice a month.
A credit card with a minimum spend, like a subscription that's paid in full every month, could be polled once a month.

I have run into specifically with my mortgage that I get 2fa'd every time Simplifi refreshes, which it would be nice if you could say check on these dates only or the 1st and 15th.

This feature could ultimately reduce the call to other institutions and reduce the overall time to refresh on most days. If an account is using a custom polling schedule, a simple refresh of this account could now be added to sync immediately.

MehulAmin

Completely agree with this request. This is one of the biggest reasons I might quit using Simplifi. I have a few accounts that have multi-factor authentication turned on (and in this day and age you should have it turned on). There are a couple of ways to solve this:

As requested above - have an option to make some accounts "manually refresh" so the user can refresh at will.
Stop with the popups - one of the most annoying things you can do is popup multiple windows when multiple accounts require authentication verifications. Some apps like Mint.com and Empower.com do it nicely without a popup. They put a big warning or red marker on the account with a tooltip stating that the account requires an authentication. IMHO - I think this is the smartest way to do it.

markb

If we could be more selective with how frequently we need refreshes that would probably also help with reliability in connecting to providers, as the load on their systems would not be nearly so heavy.

gurhos

+1 vote on this. New user.Currently unlinked few accounts just to avoid the authetication pop-ups.

moneyhound

I have to upvote this as well. Even worse, it will send me the mfa code but then there is no obvious place for me to enter the code in simplifi, especially when i do a refresh across all my accounts. It seems to be hit and miss with the various windows as to whether it properly prompts me to enter the various mfa codes.

simplira

+1 please implement this. MFA for multiple accounts driving me crazy…

Stu B

Is there any point to +1 this thread? I mean it's been a top request for a couple years.

Oh well….Plus 1 for scheduled (like monthly) or manual syncing of accounts to avoid the constant MFA prompts.

PS. Even if I hit "cancel" on the MFA popup….venmo still sends one out.

domg1

This drives me crazy as well, I am really surprised it’s been a requested feature for years with no update

Charlie74

A big +1 from me, it would be nice to schedule some accounts to only update weekly, or bi-weekly, etc, in order to avoid the daily MFA code requirements and all the pop ups.

Alternatively, it would be nice to set an account to 'only sync when requested'. So the credentials are there, the account just doesn't update until I ask it to.

Archie

+1 on this. MFA is driving me crazy. I don't need to see my Mortgage account to refresh everyday.

Dillon

It would be nice to be able to set an account connected to a financial institution to only update upon request. I have some lesser used accounts that don't have frequent activity and they require MFA. It would be nice to have a way to mark these accounts only to update upon request so I am not prompted for a one time use code every time I go to the website or open the app on my phone. This would also reduce the email/text/etc… from one time use codes being sent when I don't feel it's necessary to update the account.

Backwardsd

+1 please implement this!!

traveller2020

+1 please implement! would like to avoid auto checking an account that rarely gets updated.

MWA

It would be nice to be able to refresh accounts on a scheduled individual basis.

For example, you may want to refresh a credit card account daily but refresh a mortgage account monthly rather than all accounts refreshing when you log in.

RobWilk

Yours will probably be merged with this, which has 37 votes as of now… So you're not starting with 1 vote.

[removed link to merged thread]

MWA

Sorry about that - I didn't see that one.

y11

Adding Wells Fargo to the list. I actually opted out from their MFA making my account less secure so I can use with simplifi (oops)

kollock

Thrivent and Oklahoma 529 requesting 2FA kills my migration experience form Mint. Either manual refresh or scheduled refresh on certain accounts would be huge.

FormerMinter

Hi, I have a feature request: This is tied to accounts/banks/creditcard companies that have a multi-factor auth or require a secondary login prior to allowing access. While the broader streamlining discussions go on with agencies, I think there's a small work around that can be implemented that helps both Quicken and the customer.

Implement a "snooze" option that allows the customer to not get a daily reminder that they need to reconnect w/ MFA on that account. This way, the customer can indicate, "snooze" on this for the next 5, 15, or 30 days to when the customer wants the data to be refreshed. The customer is also able to "bypass" the snooze and force an MFA transaction.

Seems like a small effort that would get a win on both sides while allowing Simplifi and the account entity to discuss stream line options at their own pace.

FutureEye

exactly what I need. Sadly open from a long time.

UrsulaA

Once Wells Fargo was connected to Simplifi via OAuth API, the MFA prompt went away for me. I kept MFA at Wells Fargo active. I believe that once Simplifi expands OAuth API connectors with institutions, the MFA issue will be mitigated. Still, this feature request is needed for those institutions without OAuth API.

See more detail on the API connectors here.

Deep

it will be nice to self select bank with manual sync. It comes handy when bank forces 2FA in each refresh. We can put them in manual sync and avoid receding pop ups every time we login into Simplify app or website