US Bank Transactions downloading two days later

dhendrix4

Issue recently started a few days ago. Transactions that posted the following day do not download until the next day after that. For example, transactions posted on 2/21/2022 didn't download until 2/23/2022, transactions that posted 2/23/2022 will not download.
Not sure if it is a US Bank issue or Quicken. I've done the reset with no improvement.

NotACPA

I suspect that you're using the FREE "Express Web Connect" method to download from USB.

USB's implementation of EWC is flaky, at best ... which is why  I consider it to be WELL WORTH the $3.95/month to download all of my USB accounts using Direct Connect.

Part of the flakiness involves the inherent "day or 2" delay in downloading transactions ... which is dependent upon when USB finishes updating your accounts (which you can't adjust) and when the Q "Aggregator" goes to collect the info (which you also can't adjust).

GeoffG

NotACPA said:

which is why  I consider it to be WELL WORTH the $3.95/month to download all of my USB accounts using Direct Connect.

Does the $3.95 DC fee include online bill pay?

NotACPA

@GeoffG, I don't think so, I believe the charge for both is a few dollars higher (but their website is down, so I can't check).

I use Fidelity's billpay, not USB's, so I don't really know.

Chris_QPW

One thing I find interesting about the fees that financial institutions charge and how people react to them is that almost nothing has changed in over 20 years.

This is from long ago closed Wells Fargo checking account.


And these fees and some others is why I started with online banking (NetBank) all those years ago.
$3 is for Direct Connect, and the $5 is for bill pay through Quicken (paying bills from their website was always free).

No, almost no "inflation", but the same reactions from the Quicken customers.