My bank account is with Bank of America. I created a dummy account to get the feel of how to set up my YNAB. Tried to download from my BOA account as suggested in the video tutorial. Download is only available as a pdf. So it looks like YNAB isn't going to work for me. Any advise?? Or have I wasted my money on YNAB. BTW I purchased YNAB 3 back in October and now have paid to upgrade to YNAB 4. I never setup YNAB 3 and was determined to setup YNAB 4. Now it seems as if I've hit another roadblock. I love the concept behind YNAB but it seems like the complication behind the software may have me looking for software that is easier to work with. I used Microsoft Money for close to twenty years. Switched to Mac's 10 years ago and have been looking for a good financial software program to run on my Mac. YNAB seemed to be it but now I have my doubts. Any input will be appreciated.