Bank America bill pay transaction Downloads

johncanellakis

As of latest update in the last several weeks, Bank America bill pay transactions no longer download. Has anyone ever seen this problem? Solution?

No problem downloading current transactions, just cannot download bill pay transactions?

Chris_QPW

Being able to download scheduled bill payments is a Direct Connect only feature.  Since Bank of America is dropping Direct Connect you also lose this feature.
https://www.quicken.com/support/managing-bank-bill-pay-and-transfers-after-direct-connect-discontinuation

johncanellakis

I do not use Direct Connect. I enter bill pay transactions into bank website. These bank bill pay transactions do not download. Any ideas why they do not download but all other transactions in each account are downloading correctly?

UKR

johncanellakis said:

I do not use Direct Connect. I enter bill pay transactions into bank website. These bank bill pay transactions do not download. Any ideas why they do not download but all other transactions in each account are downloading correctly?

From what I've been told ... Bill Pay transactions scheduled at the bank's website for a future date will not download until they have been executed on due date.

Chris_QPW

johncanellakis said:

I do not use Direct Connect. I enter bill pay transactions into bank website. These bank bill pay transactions do not download. Any ideas why they do not download but all other transactions in each account are downloading correctly?

Whether you realized it or not you were using Direct Connect.  It is the only way Quicken has to sync the bill payments done on the financial institution's website to Quicken.

I like to describe the bill pay through Direct Connect is like Quicken acting like a GUI for the financial institution's bill payment system.  If you created an online payment in Quicken it was synced to the financial institution's bill payment system.  If you created a bill payment on the financial institution's bill system (website) it would be synced back to Quicken.

With Express Web Connect + that syncing to the financial institution's bill payment system is gone.
It will only download transactions that are posted in your account.
Managing Bank Bill Pay and Transfers after Direct Connect Discontinuation

johncanellakis

There was an update focused on BankAmerica several weeks ago. Did BankAmerica disconnect direct connect in that update?

johncanellakis

prior to that point it downloading BankAmerica bill pay transactions into Quicken worked flawlessly

Chris_QPW

johncanellakis said:

There was an update focused on BankAmerica several weeks ago. Did BankAmerica disconnect direct connect in that update?

Yes, that change was from Direct Connect to Express Web Connect +.
And Bank of America cutoff Direct Connect on about the 12th of this month.

johncanellakis

Thank you for clarifying. Is there any information when BankAmerica will reactivate Direct Connect?

Greg_the_Geek

BofA will not reactivate Bill Pay through Quicken. You need to use Bill Pay on the BofA web-site.

RAS

This loss of scheduled bill pay transactions is a major downgrade of service. Before, I could see the effect of scheduled transactions on my balance and take steps to avoid an overdraft if needed. Now, I can't do that.

UKR

RAS said:

This loss of scheduled bill pay transactions is a major downgrade of service. Before, I could see the effect of scheduled transactions on my balance and take steps to avoid an overdraft if needed. Now, I can't do that.

Yes, you can. All you need to do is

• at the BofA website record your bill pay transaction
• at the same in Quicken set up once and use every month a Scheduled Reminder to record this transaction in your register

This will give you the capability to forecast your future balance, either in the register set to show future transactions or in the Projected Balances view.

RMelnar

I suspected as much and this thread confirms it. I agree it is a downgrade of service. Scheduling transactions thru bill pay and having them download into Quicken was quick and easy. The solution described above is simply performing the same actions manually. The whole point of using software to manage an account is to make it easier, not more difficult.

Peter Clayton

> @RMelnar said:
> I suspected as much and this thread confirms it. I agree it is a downgrade of service. Scheduling transactions thru bill pay and having them download into Quicken was quick and easy. The solution described above is simply performing the same actions manually. The whole point of using software to manage an account is to make it easier, not more difficult.

Couldn't agree more! I've been using Quicken for 20 years now. The automatic download of bill payments scheduled with Bank of America has always been seamless and efficient. The need to revert to a manual work around is simply unacceptable.

Greg_the_Geek

Peter Clayton said:

> @RMelnar said:
> I suspected as much and this thread confirms it. I agree it is a downgrade of service. Scheduling transactions thru bill pay and having them download into Quicken was quick and easy. The solution described above is simply performing the same actions manually. The whole point of using software to manage an account is to make it easier, not more difficult.

Couldn't agree more! I've been using Quicken for 20 years now. The automatic download of bill payments scheduled with Bank of America has always been seamless and efficient. The need to revert to a manual work around is simply unacceptable.

Have you complained to Bank of America since it was their decision to drop Direct Connect?

Chris_QPW

People might find my explanation of the security of the different connection types useful since it is one of the main reasons stated for going to Express Web Connect +.
https://community.quicken.com/discussion/7922729/my-explanation-of-the-security-of-the-different-connection-types