Complex Table

**Last Updated**: May 28, 2026 **Note**: This page is constantly evolving and is updated as needed. ## Open Banking Sources (Completed Migrations) {` Complex Table

Open Banking Financial Institution Name	Open Banking Financial Institution ID	Supported Access/Login Type	Special Setup Instructions	Known Limitations of the Open Banking API	*Provider Token Expiration Times	**Max Transaction History
Allianz Life	112966	Advisor: Yes Delegate: Yes Investor: Yes	Allianz only supports aggregation for Advisors, Investors or Delegates of a Financial Professional. Delegates of clients are not supported.	Transaction data is only available for some Allianz products. Transaction data is available for productType Variable Annuity and Variable Indexed Annuity. Transaction data is not available for most other product types.	None (consent is rolling with successful aggregation)	Beginning of last calendar year.
American Funds Retirement Planning Center - Participant	113442	Advisor: No Delegate: No Investor: Yes			None	Beginning of last calendar year.
Bank of America	113012	Advisor: No Delegate: No Investor: Yes			None (consent is rolling with successful aggregation)	300 days
Bank of America Private Bank	120608	Advisor: No Delegate: No Investor: Yes		Health Savings Accounts (HSA) are unavailable via API.	None (rolling)	300 days
Capital One	115398	Advisor: No Delegate: No Investor: Yes			12 months	90 days
Charles Schwab	112126	Advisor: Yes Delegate: Yes Investor: Yes	Advisors with institutional access should use "Charles Schwab Institutional - SFTP".		Starting on April 23rd, 2026, Charles Schwab's Open Banking authorization policy is changing. Any new or reauthorized account registrations will expire after 365 days. Existing authorizations completed prior to this date will not be immediately affected, however, Schwab will begin expiring these connections in 2027.	Beginning of last calendar year
Chase	112151	Advisor: Yes Delegate: Yes Investor: Yes	Authorized Owners must select “Third Party Access” on the Access Manager page in order for the Authorized User to be able to aggregate data from the API. Chase will only support user consents with following browser versions or higher: Google Chrome 130 Mozilla Firefox 128 Microsoft Edge 132 Apple Safari 16.6	Commercial Line of Credit accounts are not supported. OLY Managed accounts are not supported.	None (consent is rolling with successful aggregation)	Beginning of last calendar year.
Citi	116252	Advisor: No Delegate: No Investor: Yes	Due to a Citi limitation, if a user wants to re-link account(s) that has already been consented for in an App, they would have to remove the prior consent before re-linking, either by deleting the credential in ByAllAccounts or by logging into their Citi card and removing the ByAllAccounts consent usually on a Security Center page.	Citi only supports Account Information and Transactions for active/open CRS cards.	365 days	360 days
Citi Branded Credit Cards	see here for full list and details of supported institutions	Advisor: No Delegate: No Investor: Yes	Due to a Citi limitation, if a user wants to re-link account(s) that has already been consented for in an App, they would have to remove the prior consent before re-linking, either by deleting the credential in ByAllAccounts or by logging into their Citi card and removing the ByAllAccounts consent usually on a Security Center page.	Citi only supports Account Information and Transactions for active/open CRS cards.	365 days	360 days
Citizens Bank (New England)	121631	Advisor: No Delegate: No Investor: Yes		Investment account types are not supported for aggregation at this time. We will communicate once these are available on the Akoya API.	365 days	Beginning of last calendar year
Edward Jones	123413	Advisor: No Delegate: No Investor: Yes		Edward Jones only supports investment accounts through the API, banking accounts are not supported.	365 days	Beginning of last calendar year
Empower Retirement - Your Retirement Plan - Participant	113078	Advisor: No Delegate: No Investor: Yes		Empower has provided a list of plans that are not supported through the Open Banking API. You can view the list here. Any plans included on that list will return a 1004 error in our system.	None	Beginning of last calendar year.
Fidelity Investments	113552	Advisor: Yes Delegate: Yes Investor: Yes	Support for Delegate Access was added 12/12/2023. Advisors with institutional access should use "Fidelity IWS - FTP Access".	Crypto is not currently supported.	Fidelity tokens expire after 360 days. Currently Fidelity has a known issue where consent does not restart if done in advance so accounts will fail again needing reconsent after the original 360 day date. Fidelity is working on the issue but has cautioned that users let their tokens fully expire and relink the account by going through the consent process anew after the accounts fail to aggregate due to the expired token.	360 days
FIS Banking Institutions	see here for full list of new supported institutions		These sources only support OTP via text messages during account linking. Other methods of OTP retrieval are not supported for account linking even if the website supports that method.		1 year	Beginning of last calendar year.
Fiserv Banking Institutions	View the list of migrated institutions here. View the list of new institutions here.	Business and Personal Banking			12 months	90 days
Jack Henry Banking	see here for full list and details of supported institutions	Advisor: No Delegate: No Investor: Yes		Treasury customers are not supported at this time.	1 year	Beginning of last calendar year.
JPMorgan Asset Management - RetirementLink - Participant	113443	Advisor: Yes Delegate: Yes Investor: Yes			None	Beginning of last calendar year.
KeyBank - Online Banking	116648	Advisor: No Delegate: Yes Investor: Yes			2 years	360 days
Merrill	120577	Advisor: No Delegate: No Investor: Yes		Health Savings Accounts (HSA), Banking Accounts, Life Insurance Accounts are unavailable via API. Merrill found that there is an issue with certain users with a login type called 10X ID. These users will currently see an error at Merrill Lynch saying "No eligible accounts" during the Save and Authorize (consent) process. These are Merrill Lynch business accounts that are very old legacy Bank of America customers, typically with a trust. The issue is still in discovery and Merrill is targeting September 2025 for resolution. As a temporary workaround, the user (account holder) could go to their Merrill Lynch financial advisor and tell them that they have a 10X ID and trying to use APIs and APIs are not compatible with 10X IDs and therefore they need a UFID to be able to use API. This workaround may not be possible for all users. If the advisor doesn't know what this means, ByAllAccounts can help get the right Merrill resource to help them. After Merrill Lynch's September 2025 release, this temporary workaround won't be needed and these 10X ID users can just use their regular Merrill 10X ID login to link the accounts and consent for aggregation through the API.	None (rolling)	300 days
Merrill Benefits OnLine	120576	Advisor: No Delegate: No Investor: Yes	Brokerage accounts will no longer appear as separate accounts. Instead, they are now presented as sub-holdings within the overall plan. This change reflects how the data is provided by the institution and may differ from how it appeared previously.	Health Savings Accounts (HSA), Banking Accounts, Life Insurance Accounts, Annuity Accounts, Defined Benefits Accounts are unavailable via API.	None (rolling)	300 days
MetLife Resources - SavingsLink - Participant	113445	Advisor: Yes. Delegate: Yes Investor: Yes			None	Beginning of last calendar year.
Pentagon Federal Credit Union	119057	Advisor: No Delegate: No Investor: Yes	PenFed only supports aggregation for the primary account holder. Authorized secondary or delegate users are not supported.		90 days	TBD
PNC	113721	Advisor: No Delegate: No Investor: Yes		PNC does not support Private Banking accunts on it's API	365 days	90 days
Principal Financial Group - Personal	120010	Advisor: No Delegate: No Investor: Yes	Principal advises users to avoid initiating the consent process multiple times in quick succession, as it can lead to errors.		1 year	90 days
TD Bank	120342	Advisor: No Delegate: No Investor: Yes			1 year	TBD
TIAA-CREF	115824	Advisor: No Delegate: No Investor: Yes		TIAA is not currently supporting After Tax Annuity account types and has not provided a timeline for when they might be available. They have advised that After Tax Annuity account holders should open an incident with TIAA to help track the demand for this account type.	90 days	Beginning of last calendar year.
Transamerica	113658	Advisor: No Delegate: No Investor: Yes			None	360 days
U.S. Bank	112341	Advisor: Yes Delegate: Yes Investor: Yes	Advisors should use "U.S. Bank Legacy - SFTP"		None (consent is rolling with successful aggregation)	90 days
USAA	127869	Advisor: No Delegate: No Investor: Yes		Banking and investment accounts are supported. Trust accounts are not supported.	18 months	18 months
Vanguard	118925	Advisor: No Delegate: No Investor: Yes			None (consent is rolling with successful aggregation)	90 days
Voya Financial - Participant Retirement	113761	Advisor: No Delegate: No Investor: Yes		Some plans available through the Voya websites are not record-kept at Voya and won’t be available with detailed data after the conversion. See attached list of plans that will not aggregate with holdings and transactions detail following the conversion.	None (consent is rolling with successful aggregation)	Beginning of last calendar year.
Wells Fargo	112518	Advisor: Yes Delegate: Yes Investor: Yes	We recommend advisors use " Wells Fargo Advisors - First Clearing SFTP" For Delegate Users: The primary account owner needs to enable the necessary accounts for their agent/sub-user.			Beginning of last calendar year.

`} *Provider Token Expiration Times: How often re-consent is required **Max Transaction History: Some accounts types may not go back as far