diff --git a/fetch_fio.sh b/fetch_fio.sh
index d87bf45..03be274 100644
--- a/fetch_fio.sh
+++ b/fetch_fio.sh
@@ -105,33 +105,40 @@ log "$0" ======== started ========
 # two non-whitespace strings. The rest of each line is ignored. There
 # must be no leading whitespace.
 while read accnt; do
-    # Extract account number and Fio token
+    # Extract account number, Fio token and starting year
     ACCNO=${accnt%% *}
     accrest=${accnt#* }
     APIKEY=${accrest%% *}
+    accrest2=${accrest#* }
+    YEAR=${accrest2%% *}
 
-    # Log action
-    log "Processing account $ACCNO"
-    
-    # Fetch CSV from bank
-    CSVNAME="$BANK_DIR/$ACCNO.csv"
-    for i in `seq 1 3` ; do
-	if wget -q "${APIURI}/periods/${APIKEY}/2015-01-01/2025-01-31/transactions.csv" -O "$CSVNAME.tmp" ; then
-	    if [ -s  "$CSVNAME.tmp" ] ; then
-		log Download OK
-		cp "$CSVNAME" "$CSVNAME.old"
-		mv "$CSVNAME.tmp" "$CSVNAME"
-		log Finished
-		break
+    # Check starting year before attempting partial downloads
+    if [ -z "$YEAR" ] ; then
+	log "Missing start year for account $ACCNO"
+    else
+	# Log action
+	log "Processing account $ACCNO starting $YEAR"
+	
+	# Fetch CSV from bank
+	CSVNAME="$BANK_DIR/$ACCNO.csv"
+	for i in `seq 1 3` ; do
+	    if wget -q "${APIURI}/periods/${APIKEY}/2015-01-01/2025-01-31/transactions.csv" -O "$CSVNAME.tmp" ; then
+		if [ -s  "$CSVNAME.tmp" ] ; then
+		    log Download OK
+		    cp "$CSVNAME" "$CSVNAME.old"
+		    mv "$CSVNAME.tmp" "$CSVNAME"
+		    log Finished
+		    break
+		else
+		    log Download successfull but empty or non-existing result.
+		    log Retrying in 5 s.
+		fi
 	    else
-		log Download successfull but empty or non-existing result.
-		log Retrying in 5 s.
+		log Failed download, retrying in 5 s.
+		sleep 5
 	    fi
-	else
-	    log Failed download, retrying in 5 s.
-	    sleep 5
-	fi
-    done
+	done
+    fi
 done < "$APIKEYS_FILE"
 
 # Mark