I'm looking for accounting software or a web app with automatic import of my transactions (from Amex, Citi, and US Bank) without me sharing my credentials of those financial institutions.

waveapps.com is a decent accounting app, but it (and its partner Plaid.com) requires too much trust: it asks me to share my username and password of each of my financial accounts. This is a terrible idea, as covered in this excellent question on the Security StackExchange.

Interestingly, Citi and US Bank offer securer approaches (which Plaid neglects to use):

https://online.citi.com/US/ag/authorizedapps/manageaccess says:

Sharing Your Account Information

Based on your direction, we’re giving the applications and websites listed below access to your Citi account information. You can review and make changes here at any time. Just a reminder—resetting your User ID or password won’t do the trick. However, if you’ve shared your User ID and password directly with an application or website that isn’t listed here, you can revoke their access by changing your log-in credentials.

https://www.usbank.com/online-mobile-banking/account-aggregation-faq.html says:

How do I share my financial data with a third party?

You will need to work with the third party directly to enable them to receive your financial data. During enrollment with a third-party service, you should be redirected to a U.S. Bank login screen where you are prompted to enter your personal ID and password. Authenticating your identity directly with us allows you to share your account information without disclosing your login credentials. Ensure that the URL in the web browser is https://www.usbank.com and that the trusted website lock icon is displayed. Click the lock icon to see that it is registered to usbank.com.

What accounting software options exist that take advantage of these federated logins?

(For Amex, I can just create a limited-access user, and I'm comfortable sharing that password with an accounting app.)

Ideally it should be a web app, 2nd preference Windows 10, 3rd preference Mac. Price: I don't have a limit, but of course I prefer free.


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