Why is Quicken logging into my bank at odd hours?

DaveT2929

My bank recently implemented a little service where they list your login history. Going through it I noticed logins occurring at odd hours. Mostly in the middle of the night. I checked with my bank and they say the IP address is owned by Intuit. The only online Quicken service that I use is transaction download and investment history for my accounts which I initiate manually when I start up Quicken. I do not use Quicken bill pay services or any other form of online banking. I do not have Quicken on my phone or other device. I do not backup to the Quicken cloud.

What business does Quicken have looking into my accounts after hours?

UKR

In Quicken on your desktop / laptop ... Are there any old, long closed and forgotten accounts that might still be enabled for transaction downloading and use Express Web Connect as the download protocol?
If so, deactivate those.

Are you Syncing to Mobile / Web?
I believe that these apps use Express Web Connect to download information to the Quicken server every night.

Dan Glynhampton

If the connection type of the bank in question is Express Web Connect (EWC) or Quicken Connect then what you are seeing is to be expected. Here’s a quote from the Connection Types in Quicken page on the Quicken website:

• Access and retrieval of data is automated through the use of nightly updates. During these updates, Quicken logs in to your bank's website on your behalf. Generally this happens once a day and outside of business hours. Because of this, you may notice login activity on your bank's website overnight.

DaveT2929

Hi Dan,

Thanks for your quick reply.

According to my account list, I'm using Direct Connect and nothing on the Quicken page indicated that they would be logging into my bank during off hours. I'm going to follow up with my bank to determine what activity is being performed during those sessions.

Thanks,

Dave

BTW - Quicken 2019 R22.12 on Win10

UKR

In Quicken on your desktop / laptop ... Are there any old, long closed and forgotten accounts that might still be enabled for transaction downloading and use Express Web Connect as the download protocol?
If so, deactivate those.

Are you Syncing to Mobile / Web?
I believe that these apps use Express Web Connect to download information to the Quicken server every night.

DaveT2929

Yep, this was the issue. An account that I haven't touched in 25 years. It must have been auto-added when I was trouble shooting an account issue a few months ago where I reloaded all my account information for that bank.

Odd that the account would use a different method than the rest of my accounts. Though it is different in that it's a line-of-credit loan account and not a regular savings or checking account.

Thanks for the help,

Dave