During this process, YNAB does not view or store your bank credentials, but relies upon our partners and their industry-leading security precautions to ensure your information is safe.&nbsp;</p> <p>Some financial institutions enable Direct Import connections through a method called OAuth. OAuth allows YNAB to access your account and transaction data without you having to provide your online banking credentials to an intermediary—in this case Plaid or MX. Instead, you can authenticate directly with your financial institution, who gives permission (through a digital token) for Plaid or MX to receive the account and transaction information YNAB needs to power your budget.&nbsp;</p> <p>