Schwab Account Downloading Problem Help

Dimarc

I have 2 separate profiles, one for my wife and one for me, but we share a joint account. It seems that Quicken will not allow me to download from both profiles, even if I go to Schwab and under security, I deactivate the joint account from " Select your Schwab accounts to link to Quicken". Quicken suggested I use 2 separate data files, one for my wife and one for me, but I always kept are finances together, and this is a new problem, for about a year. Any suggestions? Thanks!

Tom Young

"I have 2 separate profiles, one for my wife and one for me, but we share a joint account."

Explain that a little more.

In my case, my wife and I have separate user IDs and passwords with Schwab.  At Schwab she has her accounts, I have mine, and we have joint accounts.  If I log into Schwab using my ID and password I see my accounts and our joint accounts, not hers.  Likewise, if she logs into Schwab using her ID and password she sees her accounts and our joint accounts, not mine.

All of our Schwab accounts have been created in Quicken in one file since the "entity" we're doing the account for is "the two of us."

When I set up Quicken to download information from Schwab, I used my Schwab ID and password for my accounts and our joint accounts.  Then I used my wife's Schwab ID and password for her accounts.  That setup works fine.

Of course I could have done it the other way around with her user ID and password pulling in her accounts and our joint accounts, and my user ID and password only getting information from my accounts.

There's no need at all for separate data files.

Dimarc

Thank you Tom. I believe I have the same set up as you. However, if I set up Quicken to download my accounts, including our joint accounts, it works for my accounts . When I then use my wife's separate credentials to sign into her account to download, even if I force it not to recognize our joint account, it deactivates my other two accounts. Vice versa if I start with hers. This did not happen before the Schwab sign in upgrade about a year ago.

Tom Young

Ah, an EWC+ issue.  I was thinking that this was a 1st-time setup for you.

Your description of how you go about downloading seems odd to me, with your focus on "credentials."

In my case, having set up the Accounts for downloading, there's no need for me to use or refer to user IDs or passwords.  That is, I go to our joint checking Account, I click on "Update Now", and our joint Checking Account, joint Savings Account, two joint Brokerage Accounts, and my IRA receive downloads.  I then go to my wife's Roth IRA, click "Update Transactions", and all her IRAs - Roth, Inherited, SEP - receive their transactions. 

There's really no need for me to do Schwab this way, I could just include the two logins in my OSU Settings:

and be done with it.  The real point is that I'm not mucking around with profiles or credentials, that's already baked into the Quicken Accounts. Are you doing something materially different in your process?

It probably will be necessary to deal directly with Official Quicken Support for this as EWC/EWC+ has some
"financial institution-specific" elements in the way it works.