Mint can import your checking account, but the process depends on your bank and whether Mint is still operating

Mint shut down on January 1, 2024, and Intuit transferred its users to Credit Karma. If you were using Mint before the shutdown, your checking account data moved with you—you do not need to re-import anything. If you are looking to start fresh with a money-tracking tool now, you will need to use Credit Karma or another service instead.

If you are asking whether Mint could import a checking account before it closed, the answer was yes. Mint used a connection method called OAuth, which let you log in with your bank credentials without giving Mint your password directly. Most major banks supported this—Chase, Bank of America, Wells Fargo, Ally, and hundreds of smaller institutions. Some regional banks and credit unions did not, and those required manual entry or a workaround.

Key Takeaways

  • Mint shut down on January 1, 2024, and is no longer available as a service.
  • If you had an active Mint account, your checking account data and transaction history moved to Credit Karma automatically.
  • If you want to track checking account transactions now, Credit Karma, YNAB, or your bank's own app are the main alternatives.
  • Most banks support find account linking through OAuth, which does not require you to share your password with a third-party app.

What happened to Mint and your checking account data

Intuit announced in March 2023 that Mint would close at the end of 2023. On January 1, 2024, the service went offline. If you had connected your checking account to Mint, Intuit migrated your account data, transaction history, and budget settings to Credit Karma Money—a free service that works similarly but is built into the Credit Karma platform.

You did not have to do anything to move your data. If you log into Credit Karma with the same email address you used for Mint, your checking account connection and transaction history should be there. Your bank login credentials were not transferred; Credit Karma asks you to reconnect your bank account the first time you use it, which takes about two minutes.

How to connect a checking account in Credit Karma (the Mint replacement)

Credit Karma Money works the same way Mint did. When you add your checking account, you choose your bank from a list, and Credit Karma redirects you to your bank's login page. You enter your username and password on your bank's site—not on Credit Karma's. Your bank then sends a find token back to Credit Karma that lets it read your transactions and balances without storing your password.

The process takes about two minutes. After you log in, Credit Karma shows your current balance and begins pulling in transactions from the past 90 days. It updates once a day, usually overnight. If your bank is not on the list, you can add transactions manually or link a different account at the same bank that does support the connection.

Banks that support automatic checking account linking

Most banks and credit unions in the United States support OAuth-based linking. This includes all the major national banks: Chase, Bank of America, Wells Fargo, Citibank, US Bank, Ally, Charles Schwab, and Discover. Most regional banks and credit unions do as well, though some smaller institutions have not set up the integration.

If your bank does not appear in the list when you try to connect, you have two options: search for your bank again using a different name (some banks operate under multiple names), or contact your bank's customer service to ask if they support third-party connections. If they do not, you can enter transactions manually or use your bank's own budgeting tool instead.

What happens if your bank does not support linking

If your bank refuses to support third-party connections or does not appear in the list, you can still track your checking account—it just requires more work. Credit Karma and most other money-tracking apps let you add accounts manually and enter transactions by hand. You would log into your bank's website or app separately, then type the transaction details into Credit Karma.

Some banks offer their own budgeting and tracking tools built into their apps. Chase has Chase Mobile, Bank of America has BankAmeriDeals, and most others have similar features. These are free and do not require a third-party connection, though they are usually less detailed than a dedicated money-tracking app.

Other checking account tracking options besides Credit Karma

If you do not want to use Credit Karma, several other services can import your checking account. YNAB (You Need A Budget) charges $15 per month but offers detailed budget tracking and connects to most banks. Rocket Money (formerly Truebill) is free and focuses on finding subscriptions and negotiating bills. NerdWallet's free tool lets you see all your accounts in one place. Each one uses the same OAuth connection method, so if your bank works with one, it will work with the others.

Your bank's own app is always an option too. Most banks now show your balance, recent transactions, and spending by category without needing a third-party tool. The trade-off is that you see only that one bank's information if you have accounts at multiple institutions.

Security and privacy when linking your checking account

When you connect your checking account through OAuth, you are not giving the app your password. Instead, your bank issues a temporary token that lets the app read your transactions and balance—but not transfer money, change your password, or access other accounts. You can revoke this access at any time by disconnecting the account in the app or by changing your password at your bank.

The app sees your transaction history and current balance, but not your Social Security number, full account number, or other sensitive details. Read the app's privacy policy to understand what it does with that data—most free apps make money by selling anonymized spending trends to merchants and advertisers, not by selling your personal information.

Frequently Asked Questions

Can I export my Mint data if I did not move to Credit Karma?

Mint is no longer available, so you cannot log in to export data. If you had an account before the shutdown, contact Credit Karma support with your email address—they may be able to recover your transaction history. Otherwise, you will need to start fresh with a new service.

Does connecting my checking account let the app transfer money?

No. OAuth connections are read-only by default. The app can see your balance and transactions, but cannot move money, pay bills, or change your account settings. If an app asks for permission to transfer funds, that is a separate permission you must grant explicitly.

What if I forgot which bank I used for Mint?

Check your email for statements or login confirmations from your bank. You can also log into your bank's website directly and look for any third-party app connections in the security or settings section. Most banks list connected apps there and let you disconnect them.

Can I connect the same checking account to multiple money-tracking apps?

Yes. You can connect your account to Credit Karma, YNAB, and Rocket Money all at the same time. Each app will pull the same transaction data from your bank. There is no limit to how many apps can have read-only access to your account.

Does my bank charge a fee for third-party connections?

No. Banks do not charge you for allowing apps to read your account information. The app itself may charge a subscription fee, but your bank will not.