RBC - Two Factor Authentication (2FA) Error

I copied this post from @homerj650 as I have the exact same problem:

"I had set up everything for syncing my accounts with RBC and it was working fine. Now they have switched to two factor authentication and i am unable to connect. Called them, and they say it's an issue on Quicken's side. Has anyone experienced this with any other bank? When i try to allow the connection i get a "timed out" notification on my phone from the authentication process. Thanks for any help you can give."

Has anyone come up with a solution to this yet?




  • UKR
    UKR SuperUser ✭✭✭✭✭
    I assume you referring to this discussion, closed due to the customer never responding: https://community.quicken.com/discussion/7912458/sync-issue-with-two-factor-authentication#latest
    Please confirm that you are using Quicken Windows Canadian version at one of the latest update levels, R43.xx
    Have you tried the following procedure yet?

    How to refresh financial institution information (Branding)

    If your bank recently changed their website or password requirements please read and follow instructions here:
    Quicken Uses Incorrect URL for Online Banking

    For online billers please see if you can manage (remove and re-add or repair) the online biller, to see if their profile has already been updated.

    If that doesn't resolve the issue:

    • It is the bank's or biller's contractual obligation to notify their Quicken download service provider, Intuit, of any changes to their websites and download functions in a timely manner before the change is implemented. Intuit needs a sufficient amount of lead time to review, change and test their programs, to adapt to the changes the bank makes.
    • The bank also needs to notify their customers of this change in a timely fashion and detail any actions that might be required by the customer to regain access after the change was introduced.
    • If they didn't do that, complain to your bank's or biller's upper level management.
    • Also contact Quicken Support via Chat or Phone at https://www.quicken.com/support#contact-support  during posted hours of operation and report this as an Online Banking issue, so that Quicken Support can escalate this issue to Intuit Inc.  Ultimately, however, the bank or biller must work together with Intuit on solving this update issue.

    Please let us know if you were able to get this issue resolved (or not).

  • LostCanuck
    LostCanuck Member ✭✭
    Thanks...I just updated to R43.14. I'll let you know if this solves my problem.

  • Arctic Hare
    Arctic Hare SuperUser ✭✭✭✭
    I can confirm that what the OP described is, in fact, an ongoing issue with RBC Royal Bank. RBC Royal Bank started enforcing 2FA back in June. The way the RBC enforced 2FA works is that when the Intuit server (or any attempt from a web browser - not the RBC app) attempts to login into the bank account and download transactions, it will trigger a notification on one's mobile device (an iPhone in my case). One needs to "Allow" the access to the RBC account using the RBC App on the mobile device (an "allow" access page appears in the RBC App at this point) or the Intuit server is refused access. Because the Intuit server normally polls my RBC account between 11 PM and 1:00 AM, I generally wake up to a missed notification on my iPhone and no new transactions.

    Back in June, I was able to get someone on RBC's digital enablement team and get the 2FA removed from my accounts. However, this past weekend RBC did some system upgrades that forced a reset of all the 2FA settings (at least it did for me). Now I'm back to where I was in June - waking up to missed "allow access" notifications each morning on my iPhone and no new transactions downloaded.

    Like the OP indicated, if you have the patience to wait on hold with RBC for an hour, you'll eventually get connected to someone on the digital enablement team who will tell you that RBC now enforces 2FA and the problem is on Quicken's end, Quicken knows about it, and they have no idea what Quicken will do or when they will do something to solve it.

    So, once again we are back to having major issues with downloading transactions from RBC Royal Bank... all the while a similar issue has been ongoing with BMO Bank of Montreal (my other bank) for about a year - that issue is noted in the alerts section; this one is not, but should be.

    And, yes, I am using the most current version of Quicken Windows Canadian.

    I have no solution to this issue other than possibly persuading RBC to manually override the 2FA on my accounts. The apparent solution to this would be for RBC's online banking to not enforce 2FA when it can establish that the login attempt is originating from Intuit's aggregation servers. That would require collaboration between RBC and Quicken....
  • Arctic Hare
    Arctic Hare SuperUser ✭✭✭✭
    One important additional comment to my earlier post, I believe that the reference to a "Timed Out" message is a reference to such a notice being produced by the RBC App, not Quicken. What is happening here is that the Intuit Aggregation server is attempting to login into RBC at some random time, not initiated by the user - when it does its daily login to download transactions. This triggers a notification in the RBC Mobile App; however, the user only has a very short window to click on "Allow" in the RBC App or the login attempt is rejected/aborted. If one doesn't click on the "Allow" button in the RBC Mobile Banking App almost immediately after it appears, it will produce a Time Out message - which indicates that you didn't click "Allow" fast enough. Again, the "Time out" message is from the RBC Mobile App, not from Quicken. Quicken doesn't actually produce an error message. The notice is on the mobile device, but the consequence is no transactions are downloaded. It still is a Quicken issue though because until there is a solution to the 2FA issue, those of use affected won't be able to download transactions using EWC - at least not without forcing an UpdateNow and managing to click the Allow button on the Mobile App just in time.
  • Arctic Hare
    Arctic Hare SuperUser ✭✭✭✭
    I have advised Quicken support via Help Chat and the built in Report a Problem feature. Hopefully, this gets the attention of the Online Banking Team and also gets listed as a known issue in that section here on the Community.