diff --git a/cmd/ofx/bankdownload.go b/cmd/ofx/bankdownload.go
index e5f2588..2259b24 100644
--- a/cmd/ofx/bankdownload.go
+++ b/cmd/ofx/bankdownload.go
@@ -54,7 +54,7 @@ func download() {
 			AcctId:   ofxgo.String(acctId),
 			AcctType: ofxgo.String(acctType),
 		},
-		DtStart: ofxgo.Date(time.Unix(0, 0)),
+		DtStart: ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:   ofxgo.Date(time.Now()),
 		Include: true,
 	}
diff --git a/cmd/ofx/banktransactions.go b/cmd/ofx/banktransactions.go
index f4c01c9..b239b86 100644
--- a/cmd/ofx/banktransactions.go
+++ b/cmd/ofx/banktransactions.go
@@ -39,7 +39,7 @@ func bankTransactions() {
 			AcctId:   ofxgo.String(acctId),
 			AcctType: ofxgo.String(acctType),
 		},
-		DtStart: ofxgo.Date(time.Unix(0, 0)),
+		DtStart: ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:   ofxgo.Date(time.Now()),
 		Include: true,
 	}
diff --git a/cmd/ofx/ccdownload.go b/cmd/ofx/ccdownload.go
index 247882f..9fd2410 100644
--- a/cmd/ofx/ccdownload.go
+++ b/cmd/ofx/ccdownload.go
@@ -48,7 +48,7 @@ func ccDownload() {
 		CCAcctFrom: ofxgo.CCAcct{
 			AcctId: ofxgo.String(acctId),
 		},
-		DtStart: ofxgo.Date(time.Unix(0, 0)),
+		DtStart: ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:   ofxgo.Date(time.Now()),
 		Include: true,
 	}
diff --git a/cmd/ofx/cctransactions.go b/cmd/ofx/cctransactions.go
index 8133281..6810a77 100644
--- a/cmd/ofx/cctransactions.go
+++ b/cmd/ofx/cctransactions.go
@@ -35,7 +35,7 @@ func ccTransactions() {
 		CCAcctFrom: ofxgo.CCAcct{
 			AcctId: ofxgo.String(acctId),
 		},
-		DtStart: ofxgo.Date(time.Unix(0, 0)),
+		DtStart: ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:   ofxgo.Date(time.Now()),
 		Include: true,
 	}
diff --git a/cmd/ofx/invdownload.go b/cmd/ofx/invdownload.go
index 4e7f2d7..97fad8c 100644
--- a/cmd/ofx/invdownload.go
+++ b/cmd/ofx/invdownload.go
@@ -52,7 +52,7 @@ func invDownload() {
 			BrokerId: ofxgo.String(brokerId),
 			AcctId:   ofxgo.String(acctId),
 		},
-		DtStart:        ofxgo.Date(time.Unix(0, 0)),
+		DtStart:        ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:          ofxgo.Date(time.Now()),
 		Include:        true,
 		IncludeOO:      true,
diff --git a/cmd/ofx/invtransactions.go b/cmd/ofx/invtransactions.go
index f8860fa..8b93f8d 100644
--- a/cmd/ofx/invtransactions.go
+++ b/cmd/ofx/invtransactions.go
@@ -38,7 +38,7 @@ func invTransactions() {
 			BrokerId: ofxgo.String(brokerId),
 			AcctId:   ofxgo.String(acctId),
 		},
-		DtStart:        ofxgo.Date(time.Unix(0, 0)),
+		DtStart:        ofxgo.Date(time.Now().AddDate(-1, 0, 0)),
 		DtEnd:          ofxgo.Date(time.Now()),
 		Include:        true,
 		IncludeBalance: true,