Open Banking Sources

This guide provides a comprehensive overview of ByAllAccounts' Open Banking sources including past migrations and key details about various Open Banking data sources.

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Last Updated: July 3, 2025
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". None (consent is rolling with successful aggregation) 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. 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
365 days 360 days
Empower Retirement - Your Retirement Plan - Participant 113078 Advisor: No
Delegate: No
Investor: Yes
Some plans available through the Empower websites are not record-kept at Empower and won’t be available with detailed data though the API 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".
The Fidelity API does not support users with a Charitable only or NetBenefits only account without a linked brokerage account. Fidelity will add API support for these users by the end of 2025. Fidelity says that as a workaround, these users can create a non-funded linked brokerage account which will allow them to use the API. 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
Jack Henry Banking see here for full list and details of supported API institutions
Advisor: No
Delegate: No
Investor: Yes
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. 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
365 days 90 days
Principal Financial Group - Personal 120010 Advisor: No
Delegate: No Investor: Yes
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
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