Direct Connect No Longer Available for USAA Credit Cards

hUcKiE CA

I was encountering errors with Quicken not being able to download transactions from USAA, so I decided to reset the connections. However, Direct Connect is no longer allowed as an option when I select USAA Credit Cards as the financial institution. Quicken Connect is the only option. While this works, it is super annoying. Every time you go to download transactions you have to enter a phone number, get a text message with a code, and sometimes do this multiple times, one for each account. What gives????

I'm on Quicken Deluxe 6.6.2 for MacOS 12.3.

Quicken Jasmine

Hello @hUcKiE CA,

Thank you for contacting the Quicken Community, I am sorry that you are experiencing this error. 

While Quicken Connect is the only current Connection Method option for USAA Credit Cards, the two-factor authentication loop that you are experiencing is not normal. 

To start with, I suggest deactivating the account(s) experiencing this error, removing the saved login credentials from the Keychain Access app, 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 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
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

Please let me know how this goes, I look forward to hearing your response. 

hUcKiE CA

Jasmine, the steps provided made matters worse. Now every time I attempt to run a sync, Quicken gives an error that the USAA accounts can't be resolved, and I need to enter all of the information, user name, password, pin, mobile phone, text message code, etc. again...for each account.

Quicken Jasmine

Hello @hUcKiE CA,

Thank you for your response, although I do apologize that the previous troubleshooting steps appear to have made matters worse. 

Next, I suggest creating a test file and adding the USAA account(s) to see if the same errors occur. You can add a test file by going to File>New>Start from Scratch. 

Please let me know how this goes, I look forward to hearing your response. 

hUcKiE CA

Jasmine, the new file has the same behavior. The multi factor authentication seems to be required at least once a day. However, both the old account and the new one only seem to require the multi factor authentication once now (rather than once for each account).