Associated Bank 2 Level Verification

Associated Bank requires 2 level verification with every update. I was told by The WeCare specialist that the frequency can't be changed for Express Web Connect Access. And lately the 2lv request and response have been very slow.

If it's true that the frequency can't be changed it kind of defeats the purpose of One Step Update. What if all of my accounts went this direction? Anyone else encounter this?


  • Hello @Thomas Nettesheim,

    Thank you for reaching out to the Community and telling us about this issue.  I'm sorry to hear you're running into this problem. Most financial institutions, when connecting by Express Web Connect, will want 2 factor authentication when you add the account, but usually don't ask for it during One Step Update. Is this a newly added account, or one that was connected for a while and just recently started asking for 2 factor authentication every time you update?

    Thank you.

    Quicken Kristina

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  • Thomas Nettesheim
    Thomas Nettesheim Member ✭✭
    edited March 2023
    This is long term account that I update daily using One Step Update. I have 2 Capital One accounts, a Chase account and numerous investment accounts that I update daily also. They rarely request 2 factor authorization. This has been occurring with Associated Bank since they did a Digital Conversion last Fall.

    I have attached an email from AB Customer Care.

    Thanks, Tom

    [Edited Screenshot to Remove Personal Info]
  • BruceSeeds
    BruceSeeds Member

    I have the very same issue with Associated Bank.

  • Boatnmaniac
    Boatnmaniac SuperUser ✭✭✭✭✭

    @Quicken Kristina - A couple of years ago there was some change made to how Quicken connected via EWC to Financial Institutions (FIs). I'm not sure but I think it had to do with the transition from FDS to QCS. Anyway, after that happened most of my EWC FIs started requiring 2FA everytime I ran OSU.

    If I recall it correctly, it turned out that the FIs were no longer recognizing and remembering Quicken (Intuit?) when connections were made causing many (not all) EWC FIs to not remember Quicken connections as safe/secure connections prompting the 2FA requests. The way it was explained to me was to compare it to setting up an online account for the first time and there is a box that can be checked for "Remember this computer". If that box is not checked then everytime in the future when you log into your online account you will get prompted with a 2FA request. But if you check the box then the FI remembers the computer (because of cookies or whitelisting?) and 2FA will not be required in the future.

    Anyway, once that was identified as the cause, someone at Quicken or Intuit or the FIs put in place something so the FI security systems would remember the Quicken connections and would no longer prompt for 2FA. Then over about a week or so the 2FA requests started to drop off and eventually stopped.

    I have absolutely no idea if the current situation might be similar to that one from a couple of years ago but I think it would be worthwhile for Quicken/Intuit to look into it with the FIs if that has not been done already.

    (Quicken Classic Premier Subscription: R55.15 on Windows 11)

  • Hello @Thomas Nettesheim and @BruceSeeds,

    Based on the information provided so far, it sounds like the financial institution may have changed the way they interact with Quicken when they did that digital conversion. Have either of you tried adding an Associated Bank account to a new Quicken file to see if the behavior repeats there? If you haven't yet, I would ask that you please do since that can narrow down if the issue is file specific or more of a connection issue. You can use this link for directions on creating a new file.

    Thank you.

    Quicken Kristina

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  • Kristina, I established the test account yesterday afternoon. I was challenged for 2LV on it this morning as well as on my primary account.

    When I run One Step Update on my primary account with Associated Bank included it takes 2min, 51 sec. With Associated Bank deselected from the account list it's15 seconds for the remaining 7 accounts.

    Thanks, Tom
  • Thank you for your reply,

    Since this doesn't seem to be a file specific issue, I recommend that you contact Quicken Support directly for further assistance as they can walk you through troubleshooting steps in real-time and escalate the situation as needed.  The Quicken Support phone number can be found through this link here. Phone support is available from 5:00 am PT to 5:00 pm PT, Monday through Friday.

    I apologize that I could not be of more assistance!

    Quicken Kristina

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This discussion has been closed.