Online balance not matching

Online credit card balance (below the register) does not match the ending balance, and the actual online balance on the institution's website. The $5,002.98 balance is the correct balance.

This issue is only with Elan Financial Services. Please see attachment.

Thank you in advance!


  • Jeepien
    Jeepien Member ✭✭

    I have the same problem. See similar message Re: Fidelity Signature Visa (Elan)

  • jharle
    jharle Member ✭✭

    You can resolve this issue by changing the connection from Elan Financial Services (which has the cents problem) to Fidelity - Investments & Retirement Accounts as described in

  • Boatnmaniac
    Boatnmaniac SuperUser ✭✭✭✭✭
    edited March 31

    Your attachment is missing. Until you have enough Community points accumulated you cannot use the picture or attachment buttons. But you can save a screen shot file to your desktop or to Windows Explorer and then click and drag it to the "Leave a Comment" field.

    There are two current issues regarding downloading from Elan. Perhaps one or both of these is the issue you are seeing?:

    1. Click on the following link to see an Alert regarding the "Online Balance" in Quicken showing the correct full dollar amount but the cents are missing: NEW! 3/26/24 Elan Financial Services - Online Balance missing Cents. This issue actually started nearly 2 weeks ago. It used to be that when the Elan account was first set up this issue would be present but it would usually self-resolve within 24 hrs when the next OSU is run. This issue prevents being able to reconcile the account to the Online Balance. But this time the issue is not self-resolving and doesn't go away.
    2. The other issue is something that has been going on for much longer and it is not unique to Elan but it does seem to be a more common issue with Elan than with other financial institutions: When Quicken connects with Elan during OSU to download data, Elan will sometimes download newly posted transactions that have not yet been rolled up into their account balance information. This results in the Elan account in Quicken not being able to be reconciled to the Online Balance. This issue is usually always resolved by running OSU, again, 12-24 hrs later when Elan's system has updated their account balance information.

    Issue #1 has a solution….assuming your credit card is the Fidelity Rewards Visa: Change the connection method from Elan Financial Services to Fidelity - Investments and Retirement Accounts. Most people (including myself) have confirmed that his Fidelity connection link is quite reliable and does not have the same dropped cents issue as Elan does. You can read more about this in this conversation thread….see my 1st post on 3/22 for a step-by-step process on how to do this connection change: Re: Elan Financial Services - CC-502 (QWin) [Edited]. (Note: The thread title talks about CC-502 error code. That error code issue has been resolved but it was replaced by this dropped-cents issue so the thread discussion morphed into that. So, if you are confused by comments regarding CC-502, just disregard them and focus on the dropped-cents issue.)

    Issue #2 has no solution at this time. It is often referred to as a "timing issue" because at the time Elan downloads into Quicken during OSU it appears that Elan's server(s) have not yet been completely updated to fully comprehend the effect of the prior day's transactions. But it almost always self-resolves when the next OSU is done 12-24 hrs later because Elan's server updates will have been completed by then so complete data is downloaded at that time.

    Does it appear that either of these issues is what you are experiencing?

    If not, please be sure to attach that picture file or provide more details about what you are experiencing so a more applicable response can be provided.

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