A few months ago I started using
Mint to manage and track my finances instead of a local copy of
Moneydance. The reason for the switch from local to cloud finance tracking was one of pure laziness - Moneydance required me to manually download my bank transactions whereas these new cloud applications take care of that hassle for me. But one frustrating experience with my bank account ended my relationship with Mint very quickly.
One feature of my personal password policy is frequent password changes. Unfortunately, Mint can't handle this personal security gracefully. In fact, after changing my banking PIN, my only option at Mint was to delete my account or re-enter all of my account information. WTF?
But this is only part of the story. I discovered all of this after a very frustrating phone call with my bank. Over the Christmas holiday I was repeatedly locked out of my bank account due to excessive failed login attempts. After arguing with the bank about whether I actually knew my PIN number, it occurred to me that Mint was pinging my account with the wrong PIN (the old PIN). But alas, I couldn't change it to the new PIN.
So I deleted my Mint account and signed up for Quicken's new
online service. So far I'm pleased with the service (pretty much the same as Mint) and thankful that it doesn't have all the
savings offers (a.k.a., credit card offers) that are all over Mint. I'm not using any of the planning / budgeting features since I do all of that in a good
old-fashioned spreadsheet, but its snapshot of all my accounts with transaction review is exactly what I need. It would be nice to see if this online service is eventually integrated into my TurboTax account to help out with my taxes.
