Why are intuit.com servers connecting to my bank accounts at odd hours

One of my banks (Key Bank) charges for session fees after I used up my monthly allotment, which is 30 sessions. A session is defined as a download of account information, an account transfer or email. I have been investigating why I always have excess usage of sessions because I am not connecting more than 30 times per month. Far less. I think I've tracked it down to intuit.com servers connecting to my account at odd hours in the night (2:07 EST is a common example). I'm pretty sure this is an automated process Intuit is using that is looking for changes in account information. Which seems fine except that its costing me extra money. Is this something Intuit can reduce or eliminate or do I need to fight with my bank and get them to stop charging me for these "sessions" I am not benefitting from.

Answers

  • NotACPA
    NotACPA SuperUser, Windows Beta Beta
    Express Web Connect, which is the method that is being used to connect to Key Bank works at night, after the banks have posted the day's data.
    If you don't like this, see if the bank supports Direct Connect, or turn off EWC for this account and always download manually (where you initiate the download from your bank's website.
    Q user since DOS version 5
    Now running Quicken Windows Subscription,  Home & Business
    Retired "Certified Information Systems Auditor" & Bank Audit VP
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    Oddly, Key Bank is the one bank I have that is using Direct Connect. No Express Web Connect is enabled on any Key Bank account that I own.
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    I should add, that I also have Keybank Online Bill Pay disabled for this account because I am using Quicken bill pay for this account if that makes sense.
  • NotACPA
    NotACPA SuperUser, Windows Beta Beta
    Are you using Q on the Web?  Or the Q Mobile App?  They get info directly from your bank also.
    Q user since DOS version 5
    Now running Quicken Windows Subscription,  Home & Business
    Retired "Certified Information Systems Auditor" & Bank Audit VP
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    One more thing, where can I find documentation on how Express Web Connect automatically connects at night to bank accounts? I could be wrong, but I think Express Web Connect only connects to my bank when I press "update now" on the account, or ask for a one step update. I'd love to learn more.
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    Not using Quicken on the Web or Quicken Mobile app.
  • Chris_QPW
    Chris_QPW Member ✭✭✭✭
    One more thing, where can I find documentation on how Express Web Connect automatically connects at night to bank accounts? I could be wrong, but I think Express Web Connect only connects to my bank when I press "update now" on the account, or ask for a one step update. I'd love to learn more.
    https://www.quicken.com/support/how-quicken-connects-your-bank

    Expanding the Express Web Connect details section:

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  • NotACPA
    NotACPA SuperUser, Windows Beta Beta
    edited June 2
    There are multiple financial institutions that could be called Key Bank.  Which one is yours'?  What's the FULL name of your bank, as shown at Tools, Account List ... and what shown there under "Transaction Download"?
    Key Bank - Credit Card    https://www.key.com/    1-800-KEY2YOU    https://accounts.key.com/ib2/PreController?requester=signon    ACTIVE   CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT
    Key Bank Student Loans    https://www.key.com/html/H-1.3.html    1-800-539-5363    https://onlinea.keybank.com/kep/authentication/body_kolLogin.jsf    ACTIVE          BANKING, CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT
    Key Community Bank    https://www.keycommunitybank.com/    1-651-457-7539    https://secure.keycommunitybank.com/login  ACTIVE BANKING,ACCOUNTINFO&EXP-WEB-CONNECT
    Key Community Bank - MN    https://www.keycommunitybank.com/    (651) 457-7539    https://www.keycommunitybank.com/    ACTIVE BANKING&WEB-CONNECT         BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT
    Key Private Bank    http://www.unionstate.com/    1-800-616-3491    https://www.key.com/personal/index.jsp    ACTIVE INVESTMENT&WEB-CONNECT    INVESTMENT&EXP-WEB-CONNECT
    Key2Business    https://www.key2businesscard.com    1-844-539-2287    https://transactions.card-data.com/Security/SignIn    ACTIVE  BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT
    KeyBank-Key Business Online    https://www.key.com/business/index.jsp    (888) 588-3977    https://kbo.key.com/kbo/cmd/startLogon ACTIVE BANKING,CREDIT&WEB-CONNECT         BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT

    Also note that not a single one of them supports Direct Connect

    Q user since DOS version 5
    Now running Quicken Windows Subscription,  Home & Business
    Retired "Certified Information Systems Auditor" & Bank Audit VP
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    >>Chris_QPW, thank you for pointing that out to me. I should have seen those links. Having now read the how Direct Connect works and how Web Express Connect works, I haven't solved my mystery yet because Direct Connect does not use aggregators to log into my accounts. I need to see if I have some old account that was/is using Web Express with this bank. Finding some old account that was once enabled for web express connect would resolve the mystery. Not sure how to find this?

    >> NotAPCA Key Private Bank, key.com is the best way to describe my specific bank.
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    How do I post a screen shot? I can assure you I have direct connect enabled on the online services tab.
  • Chris_QPW
    Chris_QPW Member ✭✭✭✭
    How do I post a screen shot? I can assure you I have direct connect enabled on the online services tab.
    Until you get a few more points on this forum there isn't a icon for including a screenshot, but you can drag and drop an image on the comment and it will attach it.

    As for this:
    >>Chris_QPW, thank you for pointing that out to me. I should have seen those links. Having now read the how Direct Connect works and how Web Express Connect works, I haven't solved my mystery yet because Direct Connect does not use aggregators to log into my accounts. I need to see if I have some old account that was/is using Web Express with this bank. Finding some old account that was once enabled for web express connect would resolve the mystery. Not sure how to find this?

    >> NotAPCA Key Private Bank, key.com is the best way to describe my specific bank.
    Are you sure your accounts are Direct Connect?  You should be able to see the connection type at the top of the register and in the account list (Ctrl+A).

    Also if you believe that this might be caused by a long ago time where an account was setup as Express Web Connect and didn't get "disabled on the server" for some reason, then my suggestion would be to change the username on your account (and or course in the accounts that you do have setup in Direct Connect or using Web Connect/QFX file).  That would block any server access from an "old connection" without resulting in your account getting "log in failures".
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  • NotACPA
    NotACPA SuperUser, Windows Beta Beta
    To find such "old" accounts, do TOOLS, Account List and at the bottom left corner check "show hidden accounts".
    That will tell if you any old accounts are still connected for download, by looking in the "Transactions Download" column.
    Examine that column for how your "Key Private Bank" accounts are connected also.
    Q user since DOS version 5
    Now running Quicken Windows Subscription,  Home & Business
    Retired "Certified Information Systems Auditor" & Bank Audit VP
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    I'm sure about the direct connect, as illustrated by the image I'm attaching. (this shows hidden accounts) The original Key Bank accounts in this list are Key Bank Checking, MikesChecking (closed), Key Savings, and Cash Reserve Credit. All of the ones I'm saying except the closed account are shown as direct connect. A username change as suggested may be the way to go.
  • NotACPA
    NotACPA SuperUser, Windows Beta Beta
    You need to show us the "Financial Institution" column also.
    Q user since DOS version 5
    Now running Quicken Windows Subscription,  Home & Business
    Retired "Certified Information Systems Auditor" & Bank Audit VP
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    Here is the capture again with Financial Institution included.
  • Tom Young
    Tom Young SuperUser ✭✭✭✭✭
    There it is:
    05901    05901    05901    Key    https://www.key.com/personal/index.jsp    1-800-539-1539    https://accounts.key.com/ib2/Controller?requester=signon&dev=true    ACTIVE    BANKING,CREDIT,ACCOUNTINFO,PAYMENT&DIRECT    BANKING,CREDIT&WEB-CONNECT         BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT    NOT_QBP    NA

  • Chris_QPW
    Chris_QPW Member ✭✭✭✭
    Unless there is a hidden account that we can't see I think might theory that there is a "Quicken cloud data set" out there that is active that never got turned off is the best bet.  I have seen that in the past.  You deactivate accounts, but the server doesn't get the message.  Changing the username is about the only way you can workaround this problem.
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  • Mollinmark
    Mollinmark Member
    Do you also have an account with Mint? Does Quicken still use intuit servers?
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    No Mint.
  • Chris_QPW
    Chris_QPW Member ✭✭✭✭
    Does Quicken still use intuit servers?
    For Express Web Connect, the answer is yes.  But in this case there doesn't seem to be any Express Web Connect accounts.  It might have been something that was connected in the past and the server never got the message.
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  • Ed Mahoney
    Ed Mahoney Member ✭✭
    I changed our username on Friday June 4th, to prevent any orphaned EWC processes from connecting. My plan is to track my own use of Q Direct Connect to Key Bank for a few days and call the Key Bank Quicken support team to correlate the session count I think I should have over those days. thanks to all the super users who have been contributing.
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    Update. I am still getting extra Quicken session counts at Key Bank. I verified this today with Key Bank Quicken support, who gave me the Quicken session history from June 6 through this morning. He told me his only visibility is the date and time, and that these were successful quicken logins. The 5 day history follows (all times Eastern)

    June 6 07:34 (me doing one step update)
    June 7 <none>
    June 8 09:25 (me doing one step update)
    June 9 08:38 (me doing one step update) and 23:53
    June 10 08:55 (me doing one step update) and 01:11 and 02:33

    It looks like maybe some sort of batch process ran on June 9 at 23:53 and again at 01:11 on the 10th, then again at 02:33 on the 10th. 3 consecutive successful logins.

    The Key Bank Quicken support guy couldn't find any reason Key Bank would be generating these and sent me back to Quicken tech support.

    Are there any automated processes run by Quicke, even with Direct Connect accounts? Maybe validating online payees? I do not have any automated processes. I am not using Quicken on my phone, nor through a browser - strictly Quicken Deluxe subscription, R33.24 Build 27.1.33.24; I do not have any Express Web Connect for Key Bank which I can safely say since I changed my username on June 4.

    This is a problem because the extra sessions accumulate and cost me money at the end of the month. It could also be a problem if some party is accessing my accounts fraudulently through the Quicken portal.
  • mshiggins
    mshiggins SuperUser ✭✭✭✭✭
    Even if you are not using Q mobile or Q web, your Quicken file can be set to sync data to the Quicken cloud. Keeping the Quicken cloud up to date is done via nightly logins to your financial institutions. 

    Have you looked at the Mobile settings in your Quicken preferences? If the problem account is selected for syncing to the cloud, turn that off. 

    One more ore thing I would try would be to step through the sign on with a different Quicken ID process, but sign back in with your normal Quicken ID. That should force a reset of the cloud. 

    Quicken user since Q1999. Currently using QW2017.
    Questions? Check out the  Quicken Windows FAQ list
  • Ed Mahoney
    Ed Mahoney Member ✭✭
    I had to turn on Sync Mobile & Web to find the answser "0 of 32 eligible accounts enabled".
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