There has been ongoing discussion about Quicken's inability to download transactions from PNC. There is no apparent resolution, but I believe the issue is with Quicken. i have an app named TrueBill, which consolidates banking information from almost all financial institutions, both banks, brokerage houses, and cc companies. They have no problem connecting with PNC using exactly the same security as Quicken asks for: User ID, PW, Text authentication. If Truebill can do it, using a hosting service named "Plaid" I don't understand why Quicken cannot solve this issue. Maybe its time they change their IT backbone to resolve these issues.