penny-bin-0.6.0.0: doc/bofa-file-format.org

Bank of America download file format

This is the format for the "WEB Connect for Quicken 2010 and above"
option that is on the Bank of America download format. Ostensibly this
is OFX in SGML, but I don't know if this is actually true as I have
not yet found much about what "WEB Connect" is. A simple CSV would be
preferable; however, B of A does not make unique transaction IDs
available in CSV format. (QIF does not have this information, neither
does the "Microsoft Excel format" on the website, which appears to
just be a CSV.)

The file has DOS line endings (\r\n).

Unlike XML, tags are not always closed. The tag names are always in
all caps. It does appear that tags that open alone on a line are
balanced, while tags that are followed on the same line with data are
not balanced.

* Header

There is a header portion with nine lines. Each has the field name,
followed by a colon, and then some information (no space between the
colon and the data). They have field names as follows:

- OFXHEADER
- DATA
- VERSION
- SECURITY
- ENCODING
- CHARSET
- COMPRESSION
- OLDFILEUID
- NEWFILEUID

Then there is a blank line.

* OFX tag
This tag is balanced. It encloses all the data. All other tags are
within this tag.

* SIGNONMSGSRSV1
Sign on message? Balanced. Encloses some tags:

** SONRS
Balanced.

*** STATUS
Balanced.

**** CODE
Not balanced. There is a digit on the same line.

**** SEVERITY
Not balanced. Says "INFO" on the same line.

*** DTSERVER
Not balanced. Has some sort of date-time information?

*** LANGUAGE
Not balanced. Says ENG.

*** DTACCTUP
Not balanced. Has some date-time information. Looks like same
information in DTSERVER.

*** FI
Balanced. Financial institution?

**** ORG
Not balanced. Bank of America.

**** FID
Not balanced. Says 5959.

*** INTU.BID
Not balanced. Four-digit number.

*** INTU.USERID
Not balanced. Has your Bank of America user ID.

* BANKMSGSRSV1
Balanced.

** STMTTRNRS
Balanced.

*** TRNUID
Not balanced. "0"

*** STATUS
Balanced.

**** CODE
Not balanced. "0"

**** SEVERITY
Not balanced. "INFO"

*** STMTRS
Balanced.

**** CURDEF
Not balanced. "USD"

**** BANKACCTFROM
Balanced.

***** BANKID
Not Balanced. Digits.

***** ACCTID
Not balanced. Digits.

***** ACCTTYPE
Not balanced. Checking

**** BANKTRANLIST
Balanced.

***** DTSTART
Not balanced. Digits. Some sort of date-time.

***** DTEND
Not balanced. Digits. Some sort of date-time.

***** STMTTRN
Balanced. Where interesting stuff starts.

****** TRNTYPE
Not balanced. Transaction Type? Mostly CREDIT or DEBIT in the data I
have, though it might also be ATM or who knows what else.

****** DTPOSTED
Not balanced. A date-time. I am guessing the format for a date-time is
YYYYMMDDHHMMSS. B of A is leaving the MMSS as zeroes.

****** TRNAMT
Not balanced. Digits with a decimal point. CREDIT transactions have no
minus sign; DEBIT transactions have a leading minus sign.

****** FITID
Not balanced. Financial Institution ID? Digits with some points and
maybe a minus.

****** NAME
Not balanced. The payee name.

****** CHECKNUM
Appears on checks. Not balanced.

**** LEDGERBAL
Balanced.

***** BALAMT
Not balanced. An amount.

***** DTASOF
Not balanced. Date as of? A date-time. Unlike the others, this
date-time has minutes and seconds.