OnPoint Community Credit Union 404 Error

For the last several days, Quicken has been unable to download transactions from OnPoint Community Credit Union. I get "Download Error (404)" consistently. Anyone else having this problem? Is there any way to tell whether this is a problem on the Intuit side or on the credit union side?


  • Quicken Anja
    Quicken Anja Moderator mod
    Hello @knapp,

    Thank you for reaching out to the Community and telling us about your issue, though I apologize that you are experiencing this.

    First, could you please provide which version release of Quicken you have currently running?
    • Quicken > About Quicken

    Also, could you please tell us which connection type you are using to connect (Quicken Connect or Direct Connect)? 

    Please check back and let us know! Thank you.
    -Quicken Anja
  • knapp
    knapp Member ✭✭
    Thanks for getting back to me. I have Version 6.2.2 (Build 602.39004.100) for Mac. And I use Direct Connect. (FWIW, though your email version of this reply said that I could reply directly to the email, that doesn't work. The template should be revised).
  • Quicken Anja
    Quicken Anja Moderator mod
    Thank you for the additional information.

    To start with, I suggest deactivating the account(s) experiencing this error, removing the saved login credentials from the Keychain Access app, refreshing the bank list, and then reactivating the accounts. However, before doing so, I do recommend saving a backup of your data file first (just in case). Then, please check and make sure you do not have any hidden accounts that may be connected to this financial institution.
    1. Go to the Accounts menu and choose Hide and Show Accounts
    2. Uncheck any accounts with this specific financial institution that are checked as hidden in Lists
    After that, please follow the troubleshooting instructions provided below.
    1. Open the account register and navigate to the Settings gear on the bottom-right corner
    2. Click on the Downloads tab
    3. Click Disconnect Account (if there are more than one account associated with this financial institution, please repeat steps 1 through 3 for each account)
    4. Quit Quicken
    5. Open Finder and navigate to Applications > Utilities > Keychain Access app
    6. On the left panel in the Keychain Access app, set the Keychains to Login and the Category to Passwords
    7. Search for the financial institution's name in the top-right search field and delete any entries found showing "Quicken password for [your financial institution username] at [financial institution name] "
    8. Quit the Keychain Access app and reopen Quicken
    9. Navigate to Accounts > New and choose the appropriate account type for the accounts that you previously deactivated 
    10. At the bottom of the window showing the list of the financial institutions, click on the "My bank is not listed" question mark icon, then click Update List
    11. Wait for the list to finish updating and Updated: " displays the current date.
    12. Click the Show List button to continue
    13. Use the search field at the top of the list to find and select your financial institution and click Continue (or click Options first to select Direct Connect)
    14. Follow the prompts to sign in using your login credentials associated with the financial institution
    15. If the accounts have been found successfully; use the dropdown menus to link each account to the appropriate account in Quicken
    Let us know how it goes!
    -Quicken Anja
  • knapp
    knapp Member ✭✭
    I think I've solved the problem. The Credit Union suddenly (and without notice) started requiring 2-factor authentication. Moreover, whereas Direct Connect was the only method that worked, now it's only Quicken Connect. But when I switched connection methods, I was able to use 2-factor. Now everything seems fine. Thanks for your help.
  • Quicken Anja
    Quicken Anja Moderator mod
    Thanks for the update! Glad to hear you found a solution that works for you. :)
    -Quicken Anja
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