[Edited - Readability]

Quicken Mac user since the 1st version in 1988-9

Edit: The last image shows the selections when setting up the connection. The one under "Other possible results" gave me the FDP-163 error. The one listed first under "Matching results" gave me the second error and the commercial one did too. I never connected to the commercial one. Not sure what that one is for.

[Edited-Screenshot Size]

Recently, every one of my imported transactions is adding "point of sale withdrawal" to the Payee name. The actual payee is either hidden or cut off. Is there a setting to only import the name of the payee?

I'm not sure whether it was the update to QMac 9.1, or the update to macOS 26.5.1 - but not only do I almost never get prompted to unlock with my watch any longer…. QMac Settings > Security often doesn't even show the checkbox /text to "Allow Apple Watch to unlock this file".

Typical scenario… my Mac opens / unlocks with my Apple Watch. I launch Quicken, and am prompted for the password. Go to Quicken > Settings after typing in the password, and the Security only shows the 'encrypt' option.

Wait a few minutes, open Quicken Settings again - and now Quicken realizes that there is an Apple Watch authorized for the system and things are back to normal. Other times, Quicken never recognizes that system Watch setting and I have to restart the Mac. Never had any of these issues before.

Here's the normal System > Settings > Touch ID & Password setting:

And here is the Quicken Security tab after it finally recognizes my watch exists:

For those not familiar with it, here's the normal Quicken Launch pop-up that causes the watch haptics to click. Makes no sense that the Mac detects the watch and Quicken no longer does reliably.

I want to document a reproducible, version-specific performance regression in Quicken for Mac 9.2.1 (build 902.61841.100), since Quicken support was unable to escalate this without a broader pattern of reports, and this thread may help surface it if others are hitting the same thing.

WHAT I EXPERIENCED ON 9.2.1

Starting with the update to 9.2.1 (8/31), the app became nearly unusable:

- Updating accounts, reconciling, and connecting/disconnecting accounts routinely froze the entire application for 5 to 30+ minutes at a time — not just a progress spinner, but a fully unresponsive UI, including being unable to dismiss unrelated dialogs.

- Activity Monitor showed the Quicken process pegged over 100% CPU during these freezes with no network activity, meaning it was doing heavy local processing, not waiting on a server.

- Notably, the freeze didn't always line up with the action that caused it — in one case, clicking "OK" on the pop-up "you're up to date" dialog from Check for Updates triggered a multi-minute freeze, even though the update check itself had already completed successfully.

WHAT I RULED OUT BEFORE CONCLUDING IT WAS THE APP VERSION

- No reports or other windows open in the background.

- Data file corruption/bloat: rebuilt my file from scratch via a full export/reimport into a brand-new file. A freshly rebuilt file with no accounts connected was instantly fast, but the same freezing came right back once I reconnected real accounts.

- Local network/router filtering: reproduced the identical freeze while on a guest network that bypasses all router-level security filtering, ruling out my network setup or firewall/network conflict.

- Cloud sync: Mobile, Web & Alerts sync was off with no stray cloud profiles the whole time.

TECHNICAL EVIDENCE (from Activity Monitor's "Sample Process" during three separate freezes)

I captured process samples during three different hangs (an account disconnect, a reconcile, and the Check-for-Updates dialog dismissal). All three showed the same root cause: the app's main UI thread — the thread responsible for the interface — was 100% occupied running Quicken's own internal code, doing a loop that repeatedly pulled individual records out of the local database and compared text values against each other. Because this ran on the main thread instead of in the background, the whole app locked up for as long as the loop took to finish. All three hangs, despite being triggered by different actions, bottomed out in the identical internal routine — and in the Check-for-Updates case, the evidence showed this expensive work had actually been queued up from earlier activity and just happened to run while that unrelated dialog's window was open, which is why the freeze appeared to be caused by a dialog that had nothing to do with it.

RESOLUTION: DOWNGRADED TO 9.2.0

Quicken support directed me to revert to my prior version and restore from a backup. My most recent backup that pre-dated the auto-generated backup from the 8/31 update to 9.2.1 was from 8/13 (the 9.2.0 update) — the automatic backup that's supposed to run during an update did not complete successfully when I updated to 9.2.1, so I had no clean backup from the day of the update itself and had to manually recreate several weeks of transactions after restoring.

Since reverting to 9.2.0 and rebuilding that gap of transactions:

- Check for Updates completes immediately, with Activity Monitor showing around 10% CPU instead of a pegged core.

- Update All Accounts performs normally within a reasonable amount of time.

- Reconcile performs normally.

- No app freezes of any kind since reverting.

This strongly points to 9.2.1 itself as the cause, not my data file, my network, or my Mac — the same file, the same accounts, and the same actions all work correctly on 9.2.0 and did not before reverting.

WHY I'M POSTING

When I raised this with support, I was told they cannot raise a ticket with engineering to investigate, there were no other reports of slowness tied to the 9.2.1 release and was asked to wait for a future release. I'm posting this in case others updated to 9.2.1 since 8/31 and are experiencing the same freezing, so this gets visibility as a pattern rather than a one-off. If you're seeing similar symptoms — account updates, reconciles, or connect/disconnect actions freezing the whole app, especially with high CPU and no network activity during the freeze — please reply below so this has a better chance of reaching engineering.

Also worth flagging separately: the automatic backup that runs during a Quicken update did not produce a backup file for me on the 9.2.1 update, which is a data-loss risk independent of the performance issue above — if you're on 9.2.1, it may be worth manually backing up before any further updates or downgrades rather than relying solely on the automatic one. I had to restore from the 8/13 automatic backup from the 9.2 upgrade.

Mac Tahoe 26.5.2

Several years ago I set up a template to reflect monthly cash receipts and cash disbursements. Each month I duplicate that month and then enter information for the new month over the old. The information carries over month-to-month so the final month reflects the annual totals. Recently, a couple of the columns no longer calculate. I have re-entered the formula, but to no avail. The red triangle appears in the 'total' cell and green shading iapears in several cells below.

Help! Please!

1. Workplace accounts (401k and IPC Roth etc.): Cash position may be in IGOVH. This does not show up in the new 'Money Market Fund Tracking' area.
2. Transactions are downloaded that should not be, like 'BUY'. Currently these have to be manually deleted.

Connection to CollegeInvest - Direct Portfolio - Non Aggregator. is unavailable right now. Please try again later. If this error persists for more than 24 hours, please contact Quicken care. (FDP-102)

Error Code: FI_TIMEOUT (FDP-102)

Is there any support?

Quicken somehow added a duplicate for every single security I have in my Chase Invest brokerage account.

I restored from a 2-day-old automatic backup. Tried to sync again; it says, "This backup isn't linked to your cloud something. I would have to basically unlink the more recent synced one (the one that failed today) in order to link this one. I chose Yes.

Synced again; again, it doubled my Chase Investment account.

I waited 3 hours, restored from the same 2-day-old backup. Hit Sync, it says "you don't have a Cloud account", says I should Setup a new cloud account.

I searched this forum; someone back in July 2026 posted the same issue with restoring from a backup and encountered "cloud account not found".

So I set up a new cloud account. Some info was there, and I tried to reconnect the accounts. Chase Invest is still doing the same thing!

Now I am just too frustrated to have to deal with a problem that came out of nowhere, completely not of my own doing. Every time I opened and closed the software in the last few hours trying to fix this, it would make a new backup, so my good 2-day-old backup is about to be erased too.

What do I do?

[Edited - Readability]

Quicken Classic Premier

Version 9.2.0 (Build 902.61767.100)

macOS 26.2

SUMMARY
Quicken Classic for Mac 9.2.0 update offered a "clean up files" step that
deleted the live data file AND the entire automatic backup history, then
displayed a misleading error blaming the user. Recovery required an
external Time Machine backup.

ENVIRONMENT
Quicken Classic Home & Business 9.2.0 (build 902.61767.100)
Upgraded from build 901.61363.100
macOS 26.5.2, Mac mini (Mac14,12 / M2 Pro, Apple Silicon)
Date: 2026-08-17, times US Eastern

WHAT HAPPENED
08:28:46 Update to 9.2.0 begins; prior app bundle moved to Trash.
~08:30 Quicken presents a dialog offering to "clean up" a list of
roughly 15-20 files. I accepted.
~08:30 Both of these directories are deleted:
~/Library/Application Support/Quicken/Documents/
- contained Latest.quicken, my LIVE data file
(175 MB, last saved 2026-07-25 15:41)
~/Library/Application Support/Quicken/Backups/
- contained ~20 .quickenbackup files, the entire
automatic backup history back to 2024-01-16,
including all "Pre-Update" backups
(Deletion time inferred from the parent directory's mtime
of 08:30:14; both subdirectories were gone by then.)
08:30-08:33 Quicken relaunches three times (PIDs 63466, 63509, 63521).
On entering my file password, Quicken displays a message to the effect
of "You should not delete files while Quicken is running," then quits.
08:38:59 Quicken exits.
On next launch, Quicken presents the new-user / setup splash screen, as
though no data file had ever existed.

EXPECTED BEHAVIOR
A cleanup routine should never propose deleting the live data file or
the automatic backup history. If it somehow does, it should refuse to
act on a data file belonging to the running application.

ACTUAL BEHAVIOR AND IMPACT
Total loss of the live data file and every automatic backup, from a
single dialog accepted during a routine update. The error message
attributes the deletion to the user, when Quicken's own cleanup
performed it.

Most deleted items did NOT go to the Trash. The Trash contained only
superseded app bundles and unrelated 2024-era leftovers, so "restore
from Trash" did not recover anything.

WHY THIS IS SEVERE
The live file and its backups were deleted in the same operation, which
removes every in-product recovery path simultaneously. Any user without
an independent, external, versioned backup would have permanently lost
their financial records. Recovery here was only possible because an
hourly Time Machine backup had run at 07:59, 29 minutes before the
update began.

ADDITIONAL NOTES
Restoring from Time Machine has its own hazard worth documenting for
support staff: Time Machine stamps files with an ACL of
"group:everyone deny write,delete,append,writeattr,writeextattr,chown".
Copying with ditto propagates that ACL and leaves the restored data
file unwritable by Quicken. Restoring with cp and then stripping ACLs
(chmod -RN) is required.

I have since relocated my data file and backups out of
~/Library/Application Support/Quicken/ entirely, on the assumption that
anything inside that directory is subject to this cleanup routine.

After I installed the latest update, I tried to download transactions from my bank (TD EasyWeb). The first time it said there was an error and to re-open Quicken. I did, downloaded again, and I was asked to re-link my accounts. I did. The new transactions won't load into the software. No errors. It seems to try and it thinks it's entered the transactions from the banks .qfx file. But nothing. I don't want to delete an account and re-add it because then all the past transactions apparently will disappear. What's going on and how do I get it to recognize my bank's .qfx file?

It has been over a month since this challenge started. I send in Error Reports but hear nothing back. What does STATUS_TERMINATION_TIMEOUT mean?

My subscription renewed, and now nothing will update. I get a warning that my receipt is not valid, whatever that means. It keeps asking me to log in, and eventually hangs up. My login credentials are valid, I just used them to log into this forum.

What now?

Quicken Version 9.1.1 (Build 901.61363.100)

When Quicken attempts to login to Nordstrom, it appears to time out before 2FA occurs with an FDP-101. Back on this merry-go-round again.

College Invest - Direct Portfolio. I have attached screenshots and copied and pasted the errors down below.

$app_build_number: 902.61767.100
$app_version_string: 9.2.0
$model: MacBookAir9,1
$os_version: 14.6.1
$screen_height: 1080
$screen_width: 1920
aggregator: FDP
app_bundle_identifier: com.quicken.Quicken
clientDocumentId: C64398E7-50D9-40A7-B507-A7C6BEF6D01B
cloudStatus: 0
current_appearance: dark
current_version_crash_count: 0
dataset_creation_date: 2023-07-22 20:36:16 +0000
dataset_id: 389618924180243714
dataset_platform: QMAC
date (GMT): 2026-08-24 18:12:20
date (MDT): 2026-08-24 12:12:20
date (PST): 2026-08-24 11:12:20
desktopFileGuid: C64398E7-50D9-40A7-B507-A7C6BEF6D01B
document_qcs_id: 389618382884877824
documentDisplayName: Wubbena Finances.quicken
documentUserId: 389618382884877824
documentUserName: ibanez600@gmail.com
early_access: 1
executable_architecture: 16777223
installation_id: 880B6B98-CF22-43F1-92E3-336392C3BC53
is_executable_architecture_intel: 1
last30days_crash_count: 0
last48hours_crash_count: 0
launch_id: 97B46C2B-DE47-41F8-9FAA-0543AD54F9D9
localTimeZone: America/Denver (MDT)
mp_device_model: MacBookAir9,1
rawAggregatorPref: fdp
receiptUserId: 389618382884877824
receiptUserName: ibanez600@gmail.com
subscriber: Subscribed
syncNewAccounts: 1
system_appearance: dark
systemTimeZone: America/Denver (MDT)
tier: Premier
tier_country: US
total_crash_count: 0
userTypeV2: NEW

errors count: 1

error #1
level: 4 (Debug = 0, Critical = 6)

description:
add account error

suggestion:
Try again later.

system description:
institution login: can't set up (can't sign-in)

BID: 66559

FI name: CollegeInvest - Direct Portfolio - Non Aggregator

request:
{
"credentials" : [
{
"value" : "nathanwubbena",
"key" : "0c67afa1-2de2-4469-9f15-14e4b9b8c135",
"encrypted" : false
},
{
"encryptionKeyId" : "553250033870062082",
"value" : "GMJBM1t7UtLU8Eb0c9M01GC/dI0nxJlTHTwWwggN/LS9oBmuTUJNuiyv2Hr3d5sZ2u7kyKFaNhOZjz/PboScXbdj845cE9+XCdyQwi6tBhnlxYGXPlcUPYrXU0t6DMfURUG9Yt3brfLfey4jkc/CScSZI/N5tFbNuUlQurpUJynEchtMOJDEACV9BQdeXYzYn7JMCELBJGH8j2T4SDSlfzJ6HjyAqvV4aXwRGY6a6aSpPYMjw4SKZt6ZM1g51jFPRruukV4em/T1kll69xYilvoxqmVgfDYtHkrRIYjKeHPe/jt7zv1S+Y/a8Hu97TY7q4eGHbKAjYsc9Vq0OL39xw==",
"key" : "efaf1e2b-8b6f-47cd-a625-dde4b8e897c5",
"encrypted" : true
}
],
"cpSetupMode" : "DISCOVER_ACCOUNTS_ONLY",
"institutionId" : "156482125645802754",
"channel" : "FDP_DEFAULT",
"id" : "425984397496279808",
"includeInvestmentAccounts" : true,
"clientId" : "BD3D9FFE-78DE-4698-A01D-AED7FC4D6695"
}

response:
{
"code" : 200,
"resource" : {
"status" : "ACCEPTED_POLLING_REQUIRED",
"pollingReference" : "/institution-logins/425984397496279808/poll",
"id" : "425984397496279808",
"resource" : {
"id" : "425984397496279808",
"includeInvestmentAccounts" : false,
"clientId" : "BD3D9FFE-78DE-4698-A01D-AED7FC4D6695",
"userModifiedAt" : "2024-03-29T17:34:46Z",
"channel" : "FDP_DEFAULT",
"isConnected" : true,
"modifiedAt" : "2026-08-24T18:12:02.233025649Z",
"dbVersion" : 176,
"cpInstitutionId" : "5e6c6296-8c0b-4f95-b94f-8a59d256ac4d",
"brandingId" : "66559",
"aggregators" : [
{
"nextRefreshAttemptAt" : "2026-06-30T23:30:41Z",
"aggStatusDetail" : "Credential Set is in invalid status:103. Login error - Invalid username or password.",
"lastRefreshAttemptedAt" : "2026-08-24T18:08:00Z",
"cpChannel" : "FDP_DEFAULT",
"aggStatusCode" : "FDP-103",
"aggStatus" : "INVALID_CREDENTIALS",
"lastStatusUpdatedAt" : "2026-07-24T20:58:17Z",
"lastRefreshSuccessfulAt" : "2026-06-30T19:30:41Z",
"cpId" : "3a29a898-30fe-441b-accc-711e31e48511",
"nextManualRefreshEligibleAt" : "2026-06-30T23:30:41Z"
}
],
"createdAt" : "2024-03-29T17:34:47Z",
"institutionId" : "156482125645802754",
"name" : "CollegeInvest - Direct Portfolio - Non Aggregator"
},
"clientId" : "BD3D9FFE-78DE-4698-A01D-AED7FC4D6695"
}
}

pollResponse:
{
"status" : "AGGREGATOR_IN_ERROR",
"aggregators" : [
{
"channel" : "FDP_DEFAULT",
"cpAggStatusCode" : "FDP-103",
"aggStatus" : "INVALID_CREDENTIALS",
"isProcessing" : false,
"cpAggStatusDetail" : "Invalid Credentials"
}
],
"mode" : "DISCOVER_AND_ADD_ACCOUNTS",
"institutionLoginId" : "425984397496279808",
"isProcessing" : false
}

Quicken Version 9.1.1 (Build 901.61363.100)

"It appears this login is at a bank that no longer supports downloading. You can resolve this by disconnecting to make the associated accounts manual or set up the accounts at a new bank. (111)"

Ric