Two FA

jeanviola

In one step update with Scotia Bank I have two account to update. I have a problem because I receive the two 2FA at the same time and I can to only one of them.

Is there a way to fix that

NotACPA

Are both accounts in your name? I'm baffled as to why they'd send 2FA for each account rather than a single 2FA for the login.

jeanviola

One account is in my name and the other in my spouse's name.

NotACPA

Perhaps I wasn't precise enough in my question. 1 login, or 2? I.E., when you login into your account, can you see your wife's account also?

Sending a 2FA for each login makes sense to me. Sending a 2FA for each account doesn't.

My wife and I have set up our accounts so that when I log into my accounts I can see hers also … although to download into Q, it does the separate logins.

jeanviola

I have two cards to access the different accounts, one for my spouse's accounts and the other for my accounts.
When I do a one step update, I receive both 2FA at the same time on my phone and as soon as I confirm one, the other one disappears and then I receive an error message because I didn't authorize the second one. Before the second last update everything was working fine, I was getting a 2FA for one account and when it was for that first account I was getting the second 2FA for the other account and everything was ending great.

Arctic Hare

https://community.quicken.com/discussion/comment/20458801#Comment_20458801

I don't know if it would work for you, but one option is to make both accounts joint and then do all the downloads from one of the two client card numbers.

jeanviola

Unfortunately, this is not a feasible solution at the moment

Arctic Hare

https://community.quicken.com/discussion/comment/20458975#Comment_20458975

In that case, I suggest you switch to using Web Connect (instead of Express Web Connect and One Step Update) to download the transactions for at least one, if not both of the accounts for the time being. That will workaround the issue you are experiencing.

FWIW, in many case, depending on certain factors, Express Web Connect doesn't handle multi-factor authentication gracefully and many cases produces errors or failed logins. It is my prediction these issues with EWC will only get worse with time. The viable path forward is for Quicken to adopt the Open Banking protocol, but Quicken has not signaled that they intend to do so. That doesn't mean for certain that Quicken is not looking at Open Banking as they aren't often prone to signaling their intentions for future functionality… but, I'm more pessimistic than optimistic that Quicken will support Open Banking in the foreseeable future. Hence, I've - with much regret and protest - abandoned Express Web Connect in favour of Web Connect… a reversion in the dark ages of transaction downloading.

Chris_QPW

I really wonder how much effort and support Quicken we put in for the Canadian version. They don’t seem to be prone to give much more support than what was sort of automatically transferred over from the US .

And in this case, I think that’s a very important thing to understand. See the US financial institutions are now migrating from traditional express web connect where it is basically logging in as you on the financial institutions website. This means it’ll run into all the same kind of problems with websites changing and two factor authorizations problems. After all the whole point of two factor is the block the bad guys using computers and trying to pretend like they’re you.

of course what is needed is a true computer security protocol for this operation. For whatever reason Canadian financial institutions didn’t adopt OFX which Quicken calls direct connect. And now the US financial institutions have gone to using what it’s called FDX which Quicken calls it express web connect +. so again it looks like the two different countries are going to have different protocols for the most secure ways of doing this.

JdS67

I have a similar situation to OP, and get around it by deselecting my spouses download when I'm doing mine and vice-versa. That way I'm only downloading one at a time and I only get one 2FA prompt at a time. Takes a bit longer, but it's a workaround.

jeanviola

Thanks for the info. I do the same thing but it's still not normal that it's like this.