YNAB (seewww.youneedabudget.com) finally released a new version of software that supports downloading transactions from banks and credit cards. I've been eagerly awaiting for this release for a couple of months now because the screenshots of the program look so promising.
There doesn't appear to be any way to get a trial version -- instead you can purchase and there is a 60-day money back guarentee that you can get a refund if you're not happy with it. So I went ahead and spent $40 to purchase the PRO version.
I'm planning to do a full review later -- but the inital verdict is that it looks like I would recommend the software but won't be able to use it for myself.
The problem is that our primary credit card is through BankOfAmerica. For some strange reason, while the BofA site provides the ability to save transactions to a QFX file, you can only do this for months that have "closed". So although today is March 19, the latest transaction I can download is the full statement that closed Feb 22. Mvelopes has worked out some way to connect to BofA directly and download transactions on a daily basis. There's usually a 2-3 day delay between when I make a purchase and when it clears "pending" status and can be downloaded, but I can live with that. I can't live with a month-long delay. (And I refuse to enter all my transactions manually, so don't go there.)
I may eventually close my BofA card over this. The current one gets Hawaiian Air freq flier points, and I've been considering switching to one that can be used on any airline.
I'm so disappointed. While I still like the Mvelopes paradigm better, I could live with YNAB and really like the price.