TD Bank Connection Method?

starpal · July 11

Which connection is preferred, TD Bank Online Banking or TD Bank Web Connect?

Thanks!

KenTep123 · September 7

https://community.quicken.com/discussion/comment/20451778#Comment_20451778

TD Bank Direct Connect has been working for me since I posted those steps in July.

Boatnmaniac · July 11

I would first try using the TD Bank Online Banking connection setup in part because it supports the Direct Connect (DC) connection method. DC is the preferred connection method for speed, accuracy and reliability.

Some financial institutions will charge a fee for that connection but others do not. Quicken never charges a fee for any of the connection method options, including DC. I did a quick search for Quicken downloading in the TD Bank website and did not see anything listed about a monthly fee but you should probably contact them to confirm this.

I also found this page in their website that talks a little about downloading into Quicken and from the description there it sure seems like they are promoting use of the DC setup because it talks about transferring funds between TD Bank accounts with Quicken. https://tdbank.intelliresponse.com/index.jsp?interfaceID=1&sessionId=5a07ddc9-3f90-11ef-81c6-b910eef3a11d&id=2250&requestType=&source=9&question=quicken.

Also, the FIDIR list it shows that TD Bank Online Banking supports DC Bank Bill Pay which means that you can send bill pay commands directly from Quicken to your online checking account….something, again, that Quicken does not charge for but TD Bank might so you will need to confirm that with them.

To make sure you are getting DC set up with TD Bank Online Banking you should do the following:

Add Account
Type in TD Bank Online Banking in the search field
Click on Advanced Options (do not click on Next in this step)
Continue
Select Direct Connect
Next
Enter your online account login
Check the box for Save to password vault (this might require you to create a PW for Password Vault or to enter the PW if you already have a Password Vault set up).
Connect
When prompted, be sure to either select ADD ACCOUNT (if you do not have this account already set up in Quicken) or be sure to LINK it to the account if it already exists in Quicken.

If you do not want DC because of a fee or special login requirement, I would still use the TD Bank Online Banking setup connection but in step #5 above, select Express Web Connect (EWC) instead of Direct Connect. EWC is a 1-way communication method that will allow downloads of transactions and account information but it does not support Bank Bill Pay. Note: EWC will also save your login information on the Intuit (the aggregator) and/or Quicken servers because they will need it when they log in to your account at night to download the transactions and account data. DC login information is saved only on your computer (unless you also use QMobile or QWeb).

Generally, anytime you see a connection setup that has Web Connect in the name (such as TD Bank Web Connect) it means that connection setup is intended to support only manual download files of transactions from the bank website followed by manual importing of those files into Quicken. Some people prefer this but it is a manual process. If this is the method you prefer to use: Log into your online account at TD Bank, go to where you can download transactions, select the time period you want the download to include and then select the QFX download file option (sometimes also referred to as "Quicken" or "Web Connect"). When the file is downloaded, save it to your hard drive and then open that file with Quicken which will import the data into Quicken and then do step #10 above. Future WC download/imports will be added directly to the account in Quicken so the process is shorter and simpler than the original setup but it still will be a manual download/import process.

Did this answer your question?

starpal · July 11

Thanks very much for your thoughtful explanation!

When I attempt this process for Direct Connect, I get an error - "Don't worry, it's not your fault" - after Quicken connects to the bank, and don't seem to be able to get past that point. The "bank hosted sign in page to authorize Quicken/Intuit" when I select Advanced Options in step 3 appears, but doesn't open in the browser. When "Looking for your accounts at TD Bank Online Banking" starts, I get the error page. (UserID and Password are correctly entered.)

Thanks for any help!

Boatnmaniac · July 16

@starpal - Sorry for the delay in getting back to you. I have not been able to connect with this Community very much in the last week.

I hope you were able to establish your download connection. If not, please read on.

Direct Connect does not get "authorized" so during the connection setup process you should not have a browser opening and should not be taken to the TD Bank website. The setup process takes place entirely inside of Quicken with Quicken connecting directly to TD Bank in the background so no browser should be opened. You will get the opportunity to select the accounts you want to download from inside Quicken, not in a browser.

Are you sure you are selecting Direct Connect in step 5? I ask because as I read your post it sounds like you are being taken to the TD Bank website for authorization for Express Web Connect+.

If you wish to have an Express Web Connect+ connection that is OK because it works pretty well and is pretty secure but DC Bank Bill Pay cannot be used with this method (Bank Bill Pay works only with the DC connection).

If you are OK with setting up the download connection with an EWC+ and you are not able to complete the authorization process on TD Bank's website, then you might want to try first disabling all browser extensions, especially popup blockers, ad blockers, cookies blockers, tracking blockers, etc. These have been known to sometimes prevent connection authorizations from completing properly. Once, the connection is established and downloading is working correctly, you can then re-enable those browser extensions.

If that does not work, perhaps try selecting another browser as your default. Again, just for the authorization process. Once the authorization has been completed you can revert the default to your favorite browser, again.

starpal · July 18

Thanks very much for your help.

When I begin the process, after typing TD Bank Online Banking, I have the attached screen. Clicking on Advanced Options in this window opens a browser window with "Quicken Classic uses Intuit to Connect…etc."

I get the browser window before I have the option in step 5 to select Direct Connect! This seems to be different from the sequence you describe.

Thanks again!

Boatnmaniac · July 18

When I begin the process, after typing TD Bank Online Banking, I have the attached screen. Clicking on Advanced Options in this window opens a browser window with "Quicken Classic uses Intuit to Connect…etc."

Thanks for the clarification. Is this picture what you see after clicking on Advanced Options? If so, this is not a browser window. It is a Quicken popup and it is normal after clicking on Advanced Options.

Then after clicking Continue in this popup, you should not be taken to the bank login page. Instead you should get a different Quicken popup that looks like this where you enter your TD Bank login information. Is this what you are seeing?

Note that I have shaded in yellow that some financial institutions require a separate activation. This can be a unique setup requirements, such as, a unique DC login different from the online account login and/or a specific authorization in the online account itself. If you have not already confirmed with TD Bank if they have such a unique DC setup requirement, then you should probably do that before proceeding.

After confirming with TD Bank the DC setup requirements, click on Next. This will bring up another Quicken popup…not a TD Bank webpage…where you enter your DC login information and check the box to add the password to the PW Vault. It should look like this picture.:

You should not be taken to the TD Bank website. The setup process will continue within Quicken.

So, does all of this look like what you are seeing? (Sorry, I need to go through this step-by-step so I clearly understand what you are doing and seeing during this process since you keep talking about browser webpages and you should not be seeing any so I have been a bit confused.)

And during the final leg of the setup process you are getting that "Don't worry, it's not your fault" error message? Is this the exact wording? Is there also an error code provided?

starpal · July 18

I'm sorry, my mistake. I assumed this was a browser window.

I'll run through it again soon, and see if I still get that error. The text was very close to "Don't worry, it's not your fault." I don't recall seeing an error code.

Thanks very much for your extensive help!

starpal · July 21

Here's the update on my TD Bank Online Banking connection.

I had TD tech support walk through making the Direct Connect connection with me, which now appears as the Transaction Download method on the Account List for my 5 TD accounts. However, no new transactions (which are occurring) are downloading when I update. So,

I attempted to add these accounts and establish a connection in a new test file with no data. I attach two screenshots to show that I am selecting Advanced Options and Direct Connect in TD Bank Online Banking, and to show the error I have been getting, "It's not your fault etc…"

I am able to connect with Express Web Connect and it downloads correctly. I will just need to do without making BillPay transactions from Q, or move to another bank. Www.tdbank.com/securityupgrade just takes me to the TD home page to log in, and I find no reference to specific security instructions.

Thanks very much for your detailed assistance! It is greatly appreciated!!

KenTep123 · July 23

I had the exact same issues setting up Direct Connect with TD Bank accounts (error screen, no downloads, etc.). I'm too embarrassed to report how many hours I spent and how many phone calls I had with Quicken and TD Bank before finally getting Direct Connect to work.

The steps to get past the screen you show above are at the end of this message, but before those steps worked, I needed to do the following:

1. Select "Preferences" from the "Edit menu".

2. Select the "Quicken ID & Cloud Accounts" item.

3. Click the "Sign in as a different user" item (You will need your Quicken login to log back in).

4. Wait for the process to complete, but don't log back in yet.

5. Quit Quicken and wait a few minutes.

6. Launch Quicken and log back in to Quicken.

7. Select "Validate and Repair File..." in the "File" menu.

8. Check the "Validate file" item, click "OK" and wait for the process to finish.

You can get past the specific screen that you included above by following these steps, but first disconnect ALL of the Quicken accounts from TD and redo the steps to connect to TD Bank that got you to that screen. Begin when that screen is showing:

1.Log into your TD account with a web browser.

2. Select "Account Services" from the "Account Options" menu near the top of the webpage.

3. Select "Manage Settings" in the "Manage Linked Services" section on the "Account Options" webpage.

4. Click the "Financial Tool Access" drop down and then click the "Financial Tool Access" link.

5. You should see a request to approve the connection to Quicken in the popup - approve the request.

6. Go back to Quicken and click "Start Over" at the bottom of the window.

7. Repeat the steps to setup Direct Connect and instead of getting the error screen, you should get the screen that lists your TD accounts and lets you either link to existing Quicken accounts, create new accounts, or ignore the account. THIS IS IMPORTANT: Only link or create accounts for those that require Direct Connect, i.e. those accounts that you use to pay bills. Set up the other TD accounts with Express Web Connect.

Good luck. I hope this works for you. Both Quicken and TD tech support were very patient and tried to help, but both failed to solve the problem. Quicken concluded that my file was corrupt beyond repair and my only option was to create new accounts for each TD account. TD concluded that the problem was with Quicken. I guess TD was correct, but their message on the error screen, as you pointed out, is useless.

starpal · July 24

Wow, that's quite a process! Thanks for taking the time to provide that explanation. I'll give it a try when I have time to devote to this.

dc q user · August 16

This worked — I think the key to it is the second half of the instructions. That's where you attempt the login, it fails, you go the TD website and "approve the request". Then starting over actually works! Great help from KenTep123.

starpal · August 17

Thanks very much, although I see that there is a Quicken alert regarding TD Bank errors, and that connection has been disabled. The advice from Q is not to deactivate refresh etc. until the error is correct, although no ETA is available.

Boatnmaniac · August 17

https://community.quicken.com/discussion/comment/20449271#Comment_20449271

Is this the Alert you are referring to?: Re: ONGOING! 8/13/24 TD Bank - FDP-105 and FDP-390, Windows users seeing CC-902.

While it was not originally posted until 8/6 it does appear that it applies to this entire thread which started in July.

Given that you have and EWC connection already established, I agree with you that you probably should not try to upgrade it to DC until this issue is resolved.

starpal · August 17

Yes it is. Thanks!

TD has not downloaded correctly for me for some time now. I have several accounts there. Some work fine, some don't work, and the TD Double Up credit card is completely wwrong. The export function from their website to a csv has transactions that are not mine but show my account number, but none of my transactions. (Nothing to do with Quicken.) The online balance is correct and the transactions that show in Activity are correct but the export is completely wrong.

TD wants me to call Microsoft! (Because I open the file in Excel, or even just text in Notepad.) They have no idea what is going on in their own system.

knute97 · August 20

TD Bank Savings, Checking and credit card continues to not download. The only difference now is that the download completes immediately with no transactions and there is no error message.

I have been a Quicken user for almost 15 years and this, combined with other latest problems, is the worst performance I have seen since the last "upgrade".

starpal · August 20

Yes, agreed, but I am seeing a problem using the Export function on the TD website (when Quicken stopped downloading) erroneously attaching someone else's transactions to my account number, and not including my actual transactions in the list. I see this even when I look at the text file type download, without ever opening Quicken or downloading the Quicken format file (.QFX)

This must be a TD problem but they are conflating it with the Quicken issue. Does anyone else see this??

Thanks!

starpal · August 20

From the latest update on the ongoing TD issue: "this issue is due to a problem in the data that TD Bank is sending to our service provider."

I'd say that's exactly what is happening in my case, on the TD side, not Quicken.

Quicken Jasmine · August 22

Hello All,

Please be aware that this issue lies on TD Bank's servers, which Quicken does not have access too. Also, please take note that this issue has now been extended to affecting Direct Connect as well. Due to that, we do not recommend attempting to switch to Direct Connect as that will not help this issue. However, not every user will experience this issue, hence why there may be some users who utilize Direct Connect who are not experiencing any issues. For any further updates or information, please follow this link to bookmark the alert.

I hope this clears things up!

Quicken Janean · August 22

Hi All,

We’ve received word from our service provider that the connection to TD Bank is being re-enabled.

Please check out the new update on our alert for the latest details. Thank you!

knute97 · August 23

I have tried to update all my TD Bank accounts with no success!

They do not update with the one-step update and when I try to reset each account I get the error message "Account Reset Failed. Quicken could not complete the account reset".

tjp2oo6 · August 23

8/23/2024

The checking account updated. Quicken removed the connection and account numbers from my savings account and I cannot add them back or login when creating the connection.

It remains broken.

tjp2oo6 · August 23

Correction. Quicken removed both my checking and savings from the updater and now neither can be added back. Same problem as before.

When will this be repaired?

If you insist it is repaired, where can we get help?

starpal · August 23

Has TD download worked for anybody yet? Direct Connect or Express Web Connect?

Thanks!

knute97 · August 24

Still having problems with TD Checking, Savings and credit card!!!

When I do the one step update or just try to update each account separately, the download never pauses and completes immediately with no transactions or error messages. Trying to reset the accounts results in the error message I posted above.

waldemar · August 24

No OSU from TD Bank checking and credit card.
It goes through the motions of connecting very fast , completes and nothing happens…
it says I have DC

but no downloads and not even Online Balance.

thanks for any support

waldemar · August 24

https://community.quicken.com/discussion/comment/20450313#Comment_20450313

after reset account got error

KenTep123 · August 24

TD Direct Connect is working for me. I can't say whether following the steps I outline in my July 23 post above will work for anyone else, but if you have not, you may want to get them a try. Before I ran those steps, I had most of the problems that have been reported in this thread, including the very fast update process that produced no records and the "Quicken could not complete…" error message.

starpal · August 25

The thread about the TD issue being resolved is now gone:

Comment Not Found

The page you were looking for could not be found.

tjp2oo6 · August 26

After reading KenTep123 Quicken Windows Subscription Member ✭✭July 23Post I follwed some of the instructions.

The errors experienced during the outage removed my TDBank account's connection in the one step update.

I logged onto the tdbank site and navigated through Account Options>Account Services scroll way down to manage accounts. Unlink third party connections. Then add them back.

In quicken I went to the td main account and edit> Online Services. Follow through and it automagically sets up Direct Connect. At this point you can update but nothing updates. Next disable any bill pay services Quicken or via the bank that show on the Online service page in the edit account window in quicken. Next click change connection method on the account and choose yes to all the warnings and select Express Web connect. When you click next your default browser will open and ask you to authenticate to your TDBank account. The window will login to third party authentication again. Check the boxes for the accounts Qkn should access and confirm two or three times. Whatever it takes. Eventually you can close the browser window and go back to quicken and complete the process. for now my Quicken stuff is finally updating in the register and I can balance my checking account.

LKinPSL · September 3

I still cannot connect Quicken with my TD accounts. No one at Quicken or TD seems to care. Has anyone overcome this problem?

waldemar · September 7

https://community.quicken.com/discussion/comment/20450582#Comment_20450582

My TD downloads have been working for the last 4 days with EWC [not Direct Connect !!].
Seems to be working stable.
I encourage people to follow the steps in the link above.

Did this work for anybody else?

Any updates on when DC will work ?

happy to be able to reconcile my account again…

TD Bank Connection Method?

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