See the top post on this thread - John Ralls reporting that git only speaks OFXv2.  However many banks only speak OFXv1.

I can confirm that I can download from USAA by speaking OFXv1.0.2.

I can no longer speak OFXv2 to USAA; something has changed on their side.

Sorry John, no workaround yet.

On 3/18/20 3:30 PM, Chris Graves wrote:
Here is what I was thinking were significant differences found in ofx.log.
AQB5 vs git, which should be defaulting to OFX 1.

AQB5:
Sending:
-------------------------------------
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:20200318081757.000

<OFX>...

git:
Sending:
-------------------------------------
<?xml version="1.0" encoding="utf-8" standalone="no"?>
<?OFX OFXHEADER="200" VERSION="220" SECURITY="NONE" OLDFILEUID="NONE"?>
<OFX>...

On Wed, Mar 18, 2020 at 1:23 PM John Ralls <jra...@ceridwen.us <mailto:jra...@ceridwen.us>> wrote:

    That would be because they are XML syntax. OFX V2 is XML.

    Regards,
    John Ralls


    > On Mar 18, 2020, at 1:15 PM, chris graves <mohaveba...@gmail.com
    <mailto:mohaveba...@gmail.com>> wrote:
    >
    > Because I don't see them in the AQB5 ofx.log file and to me they
    look like XML syntax.  Not being knowledgeable on the subject I
    can't say for sure.  I thought at v1.6, the syntax was pure SMGL. 
    But again, I don't know what I don't know.
    >
    >> On Mar 18, 2020, at 1:12 PM, John Ralls <jra...@ceridwen.us
    <mailto:jra...@ceridwen.us>> wrote:
    >>
    >> And why were you thinking that?
    >>
    >> Regards,
    >> John Ralls
    >>
    >>
    >>> On Mar 18, 2020, at 1:05 PM, chris graves
    <mohaveba...@gmail.com <mailto:mohaveba...@gmail.com>> wrote:
    >>>
    >>> I was thinking that it could be the first two lines of your
    file below.
    >>>
    >>>> On Mar 18, 2020, at 12:40 PM, John Ralls <jra...@ceridwen.us
    <mailto:jra...@ceridwen.us>> wrote:
    >>>>
    >>>>
    >>>>
    >>>>> On Mar 18, 2020, at 9:33 AM, Christopher Singley
    <csing...@gmail.com <mailto:csing...@gmail.com>> wrote:
    >>>>>
    >>>>> You're sending VERSION="220", which USAA doesn't accept. 
    You need to send VERSION="200" or VERSION="202".  Try that.
    >>>>
    >>>> No joy, I still get a 400 response, but it does occur to me
    that it isn't necessarily an OFX issue, it could be that the HTTP
    request itself is malformed.
    >>>>
    >>>> <?xml version="1.0" encoding="utf-8" standalone="no"?>
    >>>> <?OFX OFXHEADER="200" VERSION="202" SECURITY="NONE"
    OLDFILEUID="NONE"?>
    >>>> <OFX>
    >>>> <SIGNONMSGSRQV1>
    >>>> <SONRQ>
    >>>> <DTCLIENT>20200318122832</DTCLIENT>
    >>>> <USERID>XXXXXXXX</USERID>
    >>>> <USERPASS>XXXXXXXX</USERPASS>
    >>>> <LANG>ENG</LANG>
    >>>> <FI>
    >>>> <ORG>USAA</ORG>
    >>>> <FID>24591</FID>
    >>>> </FI>
    >>>> <APPID>QWIN</APPID>
    >>>> <APPVER>2300</APPVER>
    >>>> </SONRQ>
    >>>> </SIGNONMSGSRQV1>
    >>>> <CREDITCARDMSGSRQV1>
    >>>> <CCSTMTTRNRQ>
    >>>> <TRNUID>20200318122835</TRNUID>
    >>>> <CCSTMTRQ>
    >>>> <CCACCTFROM>
    >>>> <BANKID>24591</BANKID>
    >>>> <ACCTID>XXXXXXXXXX</ACCTID>
    >>>> </CCACCTFROM>
    >>>> <INCTRAN>
    >>>> <DTSTART>20200310000000</DTSTART>
    >>>> <DTEND>20200318000000</DTEND>
    >>>> <INCLUDE>Y</INCLUDE>
    >>>> </INCTRAN>
    >>>> </CCSTMTRQ>
    >>>> </CCSTMTTRNRQ>
    >>>> </CREDITCARDMSGSRQV1>
    >>>> </OFX>
    >>>>
    >>>> Regards,
    >>>> John Ralls
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