One Step Update Failing

Martin J Daly

I've been a Quicken user since the late 1990s and have Quicken version R44.27 installed on both my desktop and my wife's laptop. I've been reasonably satisfied with the results, until just recently. 

We are both unable to do a One Step Update on our computers and have tried to follow all of the rules, but now are almost on the verge of divorce over the problem. We share a Joint checking account at Bank of America, but we have separate Debit card numbers and separate Charge Accounts. 

Until now, our Joint checking account and our charge accounts have been set up in Quicken, to work together as one Quicken account and download, with one button click and upgrade the checking account and both charge accounts at Bank of America. We only needed to store our individual BOA passwords in the password vault and Quicken created another hidden account named Bank of America All-other-States, which created the 3 accounts as sub accounts of BOA All-Other-States and everything worked fine, until September. 

 Quicken kept asking me to Reauthorize both accounts, but I kept pressing the Remind me next time button and the accounts would download and reconcile. Then, sometime after October 1st, I decided to obey and press the Reauthorize Button and all hell broke loose. My computer locked up and I had to turn it off and reboot it. I tried to do a one Step update again and Quicken then created a new file and deleted my passwords in the password vault. Every time I tried to update, Quicken asked me for my BOA passwords. 

I ultimately had to delete the new file that had been created and tried to set it up again. 

Now, Quicken has set my One Step Update settings for Bank of America to 5 separate accounts, but BOA doesn't recognize any of them, coming from Quicken. We can still manually log into our individual BOA accounts online, but not through Quicken. 

I tried to put our passwords back into the password vault, but my wife's BOA password is too long for Quicken to recognize, but it still works for her online through BOA. Over this time, I also had to replace the file with an older backup file that I know was made before this all started and fill in the blanks, with the most recent transactions. 

My Quicken Subscription expires in December, but I won't renew if this can't be fixed. Martin Daly Nauvoo, Illinois

Tom Young

Some white space in all that dense verbiage would certainly make it easier to read.

I didn't fully comprehend what you've said here, but the crux of the problem is that BofA dropped support for the Direct Connect method of downloading in favor of EWC+.  With EWC/EWC+ your passwords are no longer stored in Quicken's password vault, so doing anything with the password vault associated with BofA is futile.

As to the one joint account, I assume that for that account you shared a user ID and password and that a download from the account pulled all transactions, irrespective of having separate debit cards, into both Quicken files?  I can see that there could be problems if you authorized the changeover to EWC+ while your wife continued to try and download using Direct Connect.