schwab passwords with special characters

figsys

Quicken continues to reject Schwab brokerage accounts with special characters (e.g., quickenBugz? or anything with ? ). Get error storing the password in vault "Schwab could not use the password you entered" which is clearly incorrect. Please fix your special character support!

Chris_QPW

Select Help -> Log Files -> OFX Log and save that log file.  And the open it up in Notepad.
Search for SPECIAL and this section of the log should be hit.

                <SIGNONINFOLIST>

                    <SIGNONINFO>

                        <SIGNONREALM>default

                        <MIN>5

                        <MAX>15

                        <CHARTYPE>NUMERICONLY

                        <CASESEN>Y

                        <SPECIAL>N

                        <SPACES>N

                        <PINCH>Y

                        <CHGPINFIRST>N

                        <CLIENTUIDREQ>Y

                    </SIGNONINFO>

                </SIGNONINFOLIST>

Make sure you are in the one from Schwab by scrolling back to the top of the reply which looks like this (example for USAA).
***** RECV from https://df3cx-services.1fsapi.com/casm/usaa/access.ofx

Post what that has so we can see what Schwab has sent Quicken as its password requirements.

Chris_QPW

Here is some information I received on this:

Here are the Charles Schwab & Co., Inc. password rules sent in a download using Q2020 R35.31 @ 12:30 CDT today (September 19, 2021). Those are the same rules that downloaded back in January 2021. 

        <SIGNONINFOLIST>

          <SIGNONINFO>

            <SIGNONREALM>Schwab

            <MIN>6

            <MAX>234

            <CHARTYPE>ALPHAANDNUMERIC

            <CASESEN>Y

            <SPECIAL>Y

            <SPACES>Y

            <PINCH>N

            <CHGPINFIRST>N

          </SIGNONINFO>

        </SIGNONINFOLIST>

 

Clearly, Schwab tells Quicken that special characters are valid in Schwab passwords. 

Just after the above download, I successfully entered the following password in the Quicken password vault: abcd1234!@#$%^&amp;*<>?

So, it appears that Quicken does follow the Schwab password rules, and allows special characters. 

There is a way to work around the problem of having the financial institution send wrong password rules. 

- Stop trying to enter the password directly into the Password Vault (using Tools > Password Vault > Add or Edit Passwords)

- Make sure the Password Vault password is blank for the problem financial institution ("Delete Password", if necessary)

- Attempt a One Step Update (or an Update Transactions) for the financial

institution/account(s) in question

- Quicken should then ask for the password for any financial institution/user-id that does not have a password in the Password Vault

- Enter the correct password (Quicken should not attempt to validate the password during this process)

- As you enter the password, Quicken should present a checkbox that says "Save" - before clicking Update Now, put a checkmark in the "Save" box

- When the One Step Update (or Update Transactions) process is complete, the financial institution password should be saved in the Password Vault. 

NOTE: this workaround process will not, itself, "fix" the underlying problem (which is that the financial institution is sending the wrong password rules to Quicken). So the user still will not be able to enter a password directly into the Password Vault for that financial institution (until the underlying problem is fixed). The only reason this process works is because Quicken does not attempt to validate the password during this process. 

[I think users with complex passwords should consider keying their password into something like Notepad first, eyeballing its accuracy; then using Copy/Paste to enter that password into the Quicken Password Vault.]