Upgrading account connection from Express Web Connect to Direct Connect - Citi Card

THEmikehd

Based on this FAQ (https://community.quicken.com/discussion/7877577/faq-new-citi-cards-process-for-direct-connect#latest) I tried to enable direct connect, thinking it may help with the occasional missing transaction.

However, when I follow the steps in the FAQ, the option to upgrade the connection isn't available.

What is the procedure to upgrade from Express Web Connect to Direct Connect now?

Quicken version in my sig.

thanks,

Chris_QPW

Normally what "decides" if a card is supported by Direct Connect is if you can use "Citi Cards" as the financial institution and find that card when you run the add account.  The cards that aren't supported will need Citibank to be found.

But I may be wrong about that given something that changed about 6 months to a year ago.  It use to be "Citi Cards" only had Direct Connect, but at that time it changed to having both Direct Connect and Express Web Connect.  I have no idea why that change happened, but now it is important to look at the advance options and make sure that you are getting Direct Connect.  And also even though I have never heard it happening, clearly if you go into the Advance options and there is only Express Web Connect, then you are stuck with it.

THEmikehd said:

Mine has had at least one transaction that refuses to download, and knowing more about EWC, it seems that if it wasn't gathered in the nightly transactions dump initially it will never go back and find it.

That isn't suppose to be how it works.  Even if the data is collected once a day, it certainly should "miss transactions".

The first thing I would do if I was stuck with Express Web Connect is switch back to FDS (opposed to QCS) and see if that helps.
See this comment on that:
[link removed - steps are no longer applicable]

At least going to FDS will take one of the possible problems out of the picture to know what is causing it:
FDS:
Quicken -> Intuit server -> Financial institution's website

QCS:
Quicken -> QCS (Quicken cloud services/account, which is "sync") -> Intuit server -> Financial institution's website

And on the "sync" you might want to read:
https://community.quicken.com/discussion/7882641/qcs-express-web-connect-is-cloud-sync

NotACPA

The procedure depends upon the Financial Institution.  Some charge for using Direct Connect, so you have to work with them first,  and  other's use a different URL for Direct Connect than they do for EWC.

If you'd care to name the FI's, we can probably respond with more detail.

Also note that the FAQ that you cited applies specifically to Citi Cards.  Other FI's may have an entirely different process.

THEmikehd

Yes, this is for my Citi Card account.

THEmikehd

I tried the instructions here: https://www.quicken.com/support/how-do-i-change-bank-connection-method

and the instructions in my original post above with no change in connection method.

THEmikehd

I've chatted with Citi on this issue. The agent confirmed the above method should work. Next, I'll chat with a Q-agent.

THEmikehd

After a very helpful session with a Quicken support agent, we think that my particular type of Citi Card may not be eligible for Direct Connect. It is a "Costco Anywhere Visa by Citi" card. Back to Citi I go to see if this is the reason.

jrich75

As a point of comparison, I have the following card


This is how it is set up


It uses the same credentials as I use to log onto the Citi website.

Ps56k2

jrich75 said:

As a point of comparison, I have the following card

It uses the same credentials as I use to log onto the Citi website.

Interesting.... as the Quicken choice for Citi Costo only has EWC -
and I don't see the "business" version listed anywhere -

65994    65994    65994    Costco Anywhere Visa Card by Citi    https://online.citibank.com/US/Welcome.c    NA    https://online.citibank.com/US/JPS/portal/Index.do    ACTIVE                  
BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT 

jrich75

Ps56k2 said:

Interesting.... as the Quicken choice for Citi Costo only has EWC -
and I don't see the "business" version listed anywhere -

65994    65994    65994    Costco Anywhere Visa Card by Citi    https://online.citibank.com/US/Welcome.c    NA    https://online.citibank.com/US/JPS/portal/Index.do    ACTIVE                  
BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT 

My account has been set up to Citi Cards for quite some time.  Seems to work fine but I have always had a business rather than a standard Citi card.

04894 04894 04894 Citi Cards https://online.citi.com/US/login.do 1-800-347-4934 https://online.citibank.com/US/JPS/portal/Index.do ACTIVE CREDIT,ACCOUNTINFO&DIRECT
CREDIT&WEB-CONNECT
BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT

jrich75

Sorry..Duplicate post

THEmikehd

Thanks for the helpful info. I just did the deactivate account, add account procedure and when I search for citi I too do not see any reference to the business version of Costco Anywhere Visa by Citi. I'll still call them and see what's up.

jrich75

My account was initially set up back in 2016 when Costco switched from American Express to Citi Visa for their credit card.  I doubt that the Costco Anywhere Visa was a FI option back then.  I'm sure there have been connection changes since then but the Citi Cards option seems to work fine for me, no issues with downloads recently.

THEmikehd

Mine has had at least one transaction that refuses to download, and knowing more about EWC, it seems that if it wasn't gathered in the nightly transactions dump initially it will never go back and find it.

Chris_QPW

Normally what "decides" if a card is supported by Direct Connect is if you can use "Citi Cards" as the financial institution and find that card when you run the add account.  The cards that aren't supported will need Citibank to be found.

But I may be wrong about that given something that changed about 6 months to a year ago.  It use to be "Citi Cards" only had Direct Connect, but at that time it changed to having both Direct Connect and Express Web Connect.  I have no idea why that change happened, but now it is important to look at the advance options and make sure that you are getting Direct Connect.  And also even though I have never heard it happening, clearly if you go into the Advance options and there is only Express Web Connect, then you are stuck with it.

THEmikehd said:

Mine has had at least one transaction that refuses to download, and knowing more about EWC, it seems that if it wasn't gathered in the nightly transactions dump initially it will never go back and find it.

That isn't suppose to be how it works.  Even if the data is collected once a day, it certainly should "miss transactions".

The first thing I would do if I was stuck with Express Web Connect is switch back to FDS (opposed to QCS) and see if that helps.
See this comment on that:
[link removed - steps are no longer applicable]

At least going to FDS will take one of the possible problems out of the picture to know what is causing it:
FDS:
Quicken -> Intuit server -> Financial institution's website

QCS:
Quicken -> QCS (Quicken cloud services/account, which is "sync") -> Intuit server -> Financial institution's website

And on the "sync" you might want to read:
https://community.quicken.com/discussion/7882641/qcs-express-web-connect-is-cloud-sync

TomTerrific

I tried to talk to Citi Cards about Direct Connect and they said they never heard of it-- that it's Quicken's problem. Typically poor tech support.

TomTerrific

Citicards direct connect is suddenly working this morning (9/26/21). Hopefully it continues. (It's working for me even though I had not used Direct Connect previously. It has not worked for the past couple weeks.)

THEmikehd

Interesting. I have had zero issues with DC and Citi in the same time frame. In fact, the last time I had issues was March of this year when I started this thread. Glad its working for you now.

TomTerrific

Citicard DC (and WebExpress) quit working if you tried to change a password. Otherwise it continued to work for most.