USAA extra-streams wiring plan

Status: designed 2026-04-19, awaiting USAA's current orchestrator run to complete so the shared browser profile is free.

Evidence gathered from live session recon during the overnight run.

1. statements stream

URL: https://www.usaa.com/my/documents Table shape observed (sample output):

Document title     Date delivered   Account            Actions
CHECKING STATEMENT 04/17/2026       Checking *3602     Options
CHECKING STATEMENT 04/04/2026       Family Checking *9932  Options
SIGNATURE VISA     4270 ...

Fields:

• id — synthetic sha256(title|date|account)
• title
• date_delivered (ISO)
• account_reference (e.g. "Checking *3602")
• document_url — from the "Options" menu; opens a PDF download endpoint
• fetched_at

Extraction strategy: scrape the <table> with a row-by-row selector once the page fully hydrates. Expect selector: a DataTables-like table with tr rows inside tbody. Will need live probe to confirm.

PDF bodies: deferred — blob_ref only. Download driven on-demand via a follow-up hydration connector.

2. inbox_messages stream

URL: https://www.usaa.com/my/inbox Table shape observed:

Status   Date    Message                    Action
UNREAD   Apr 17  You Have a New Document... Delete
UNREAD   Apr 11  You Have a New Document... Delete

Fields:

• id — synthetic sha256(date|preview_text); refine if a real message ID is available when clicking in
• date_received (ISO, year-inferred from context)
• status (UNREAD/READ)
• subject / preview (first ~120 chars)
• fetched_at

Extraction strategy: same table-row scrape. Message bodies require click-through — deferred.

3. transfers stream

URL: https://www.usaa.com/my/transfer-funds (then "Transfer Activity" tab).

Value: A reconciliation agent distinguishes "transfer between my accounts" from "purchase at merchant" from "bill payment." USAA's transaction CSV lumps all of these into one log with category=Transfer, but the transfers-activity view gives structured fields.

Fields:

• id — synthetic
• transfer_date
• from_account_id, from_account_name
• to_account_id, to_account_name
• amount_cents
• status (Pending/Completed/Scheduled)
• type (One-time/Recurring)
• recurrence_pattern (if recurring)
• memo
• fetched_at

Extraction strategy: navigate to activity tab; scrape the activity table.

4. bill_payments stream

URL: https://www.usaa.com/my/pay-bills

Note: live recon showed a Terms & Conditions wall ("We've updated our Terms and Conditions") requiring acceptance before pay-bills data is visible. First run may need INTERACTION for user to accept.

Fields:

• id
• payee_id, payee_name
• amount_cents
• due_date, scheduled_date, sent_date
• status (Scheduled/Sent/Delivered/Failed)
• account_id (payor)
• frequency (One-time/Monthly/etc.)
• confirmation_number
• fetched_at

5. credit_card_billing stream (one row per credit card, refreshed each run)

URL pattern: https://www.usaa.com/my/credit-card/?accountId=<id>

From earlier recon, the Signature Visa page shows:

Current Balance: $0.00
Available Credit: $24,992.00
Statement Balance (as of Mar 20, 2026): $8.65
Statement Due Date: Apr 14, 2026
Last Payment: $8.65
Last Payment Received: ...
Minimum Payment Met (flag)

Fields:

• id — credit card accountId
• current_balance_cents
• available_credit_cents
• statement_balance_cents
• statement_as_of_date
• statement_due_date
• last_payment_cents
• last_payment_received_date
• minimum_payment_met (boolean)
• fetched_at

Extraction strategy: parse the key-value list on the card detail page. Regexes over innerText for the labeled amounts.

6. scheduled_transactions stream

URL pattern: same as account detail, with "Scheduled Transactions" tab. Distinct from "Transactions" (posted).

Fields: same shape as transactions but with status: "scheduled" and scheduled_date instead of posted date. Primary key same synthetic hash.

7. external_accounts stream

URL: https://www.usaa.com/my/external-accounts (or via dashboard /my/external-account/... links).

Fields:

• id (external acctId)
• display_name
• institution_name
• account_type
• last_four
• balance_cents (when visible)
• balance_as_of
• link_status

The Chase Sapphire Preferred 9241 entry is already visible in dashboard scrape; this stream formalizes it and adds any other linked accounts.

Implementation order once profile is free

1. Navigate each page in turn (while session still fresh), dump table HTML, pin real selectors.
2. Write the extractors as helper functions inside connectors/usaa/index.js so the existing run invocation gets all streams.
3. Smoke-test each stream individually before combining.
4. Ensure each stream emits STATE per sync boundary so partial runs don't lose progress.

Effort estimate

~15-20 minutes per stream once profile is free, assuming selectors are as stable as the main dashboard turned out to be. All 7 streams ≈ 2 hours of wiring + smoke tests.