Anyone else seeing OL-295-A with TD Bank?
Answers
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Yup. Check out
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Some of are getting OL-295-A errors with TD Bank and were not switched to EWC. I deactivated and activated and was not able to select Direct Connect and am stuck with EWC. See
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Something similar has happened over the last few months with my PNC Bank and with Citi Cards accounts. With both of these FIs I had DC set up but started getting the OL-295 error code. When I would do Reset Account or Deactivate/Reactivate I would be set up with EWC+, instead of DC.
What I did to fix it was as follows. Perhaps it might also work for those who want/need DC with TD Bank, as well.:
- Enter/save the Opening Balance transaction dollar amount into the Memo Field of that transaction. (This is not a required step but it is a proactive step that can greatly assist in troubleshooting in the even an account balance issue occurs. In fact, it is recommended to do this for every Spending account (checking, savings, credit card, etc.) because it is a once-and-done step.
- Back up the data file.
- Do Add Account and follow the steps shown in the following pictures.
After clicking on Connect and when prompted by Quicken, make sure to LINK the downloaded data to the account(s) that are already set up in Quicken.
After completing the setup, check the account balance. If it is not correct:
- Check the Opening Balance transaction dollar amount. If it does not match what you previously entered into the Memo field, change it to match what is in the Memo field.
- If the account balance still is not correct: Scroll through the account register looking for duplicate transactions. If any are found, delete one and retain the other. (NOTE: If duplicate transactions are present, they will usually show up within the most recent 90 days time frame.)
If anyone tries this, let us know the results.
Quicken Classic Premier (US) Subscription: R59.35 on Windows 11 Home
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You CANNOT make this work with TD Bank, even setting up a new Quicken QDF file and using advanced to specify DC throws the OL-295-A error. Only EWC works. Looking for a new Bank. Already dumped Citizens..
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Here is a Support Article listing banks that support DC Bank Bill Pay. (There are others that support DC but not Bank Bill Pay.): . Perhaps you will find this helpful in your search for another bank.
This article was last updated back on 5/15/2024 so it is not 100% accurate anymore. One good example of this is that it shows the TD Bank DC Bank Bill Pay connection is TD Bank Online Banking - New but this listing for TD Bank is not included in Add Account nor in the FIDIR.txt file (the file that lists all financial institutions that support Quicken, the connection methods they support and the types of accounts and Quicken services they support).
Since TD Bank Online Banking - New is included in neither Add Account nor in the FIDIR.txt file, it raises the question about whether it should be or if it was intentionally dropped or modified. Either way, this could be the cause or a contributing factor to not being able to set up the DC connection or getting that OL-295 error code. The only ones who can definitively confirm whether or not TD Bank Online Banking - New should still be present are TD Bank and the aggregator (Intuit).
Perhaps one of the Moderators (@Quicken Anja or @Quicken Jasmine) will be able to weigh in on these two things….updating the Support Article and TD Bank Online Banking vs TD Bank Online Banking - New?
Quicken Classic Premier (US) Subscription: R59.35 on Windows 11 Home
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I have three TD profiles with different accounts connected to each profile.
I had the original error in all three profiles when attempting to download TD Online Banking via Direct Connect.
After several days and my earlier requests for advice, I deactivated all accounts in the three profiles in Quicken, re-set up one profile and downloaded successfully, then re-set up the second profile and successfully downloaded, but now get this error when attempting to re-setup the third profile.
I am not clear on what you mean by "using the same instance."
Thank you.
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None of those banks have local physical offices, and I require that. I'd like the Quicken folks to comment on the TD Bank direct connection issue.
"
Perhaps one of the Moderators (@Quicken Anja or @Quicken Jasmine) will be able to weigh in on these two things….updating the Support Article and
TD Bank Online Bankingvs
TD Bank Online Banking - New?"
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Shouldn't this issue of broken Direct Connect with TD Bank be listed under
Alerts, Online Banking & Known Product Issues?????
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I’ve had the same problem with TDBank since last week. Today I changed the connection method from direct connect to quicken connect. It required me to allow TDBank to connect to Quicken. I did and I was able to connect. Then I got an email from TDBank notifying that someone allowed TD to connect with Quicken. If I had allowed it then all was good and TD would continue to share with Quicken for ONE YEAR or until I cancelled it. It gave instructions on how to do this.
Login to TD, select my TD, select account options, account services, managed linked services. You will see all institutions that TD is sharing your account with.
The problem may be that TD stopped sharing after one year with Quicken and the solution is you have to reauthorize the sharing.
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Never heard of "Quicken Connect" as a connection method. How did you select that?
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Hello @digitalmediaphile,
The issue must be investigated first in order to gather more information to be able to create an alert. Once an alert is created or we have more information, we will update within this thread.
Thanks!
(CBT-452)
-Quicken Jasmine
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Thank you anrb01t !!
This worked for me:
Login to TD, select my TD, select account options, account services, managed linked services. You will see all institutions that TD is sharing your account with.The problem may be that TD stopped sharing after one year with Quicken and the solution is you have to reauthorize the sharing.
On the TD site I saw my checking account was not checked. I checked it and then saved it.
Updated Quicken via One Step Update and TD Bank connected and downloaded normally.0 -
I'd bet you are using Express Web Connect and NOT Direct Connect
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OK, I just changed the connection back to direct connect. The issue here is your TDBank account not Quicken. You have to authorize TDBank to share with Quicken otherwise it won’t download anything to your TDBank accounts. If you want to change your connection type, click on settings in lower right hand column, then click on downloads, it will display the connection type, then follow instructions to change. The options given to me was Direct Connect or Quicken Connect. I changed back to Direct Connect just now and it downloaded correctly. I then went into my TDBank account and did what markjrenna (above) and saw that I authorized TDBank to share on 12/2/2024 until 12/2/2025. So next year I won’t be able to download from TD unless I authorize sharing again. Problem Solved.
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When you say "click on settings in the lower right hand column" how, exactly, do you navigate to this option? Is this somewhere on the TD Bank website? Is it somewhere in Quicken Classic? I don't see a "right hand column" nor do I find a "download" option in any of the settings I've found so far.
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OK, even though the TD Bank site said I was authorized, I had to drill down further. It was marked as PENDING. Once I clicked YES, it changed to APPROVED. I was then able to deactivate, then add new account, ADVANCED in order to select DC and link to existing account and successfully connecrted via Direct Connect. OUCH.
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Well, I didn't follow those steps exactly, but I did deactivate / reactivate again and this time it shows Direct Connect. I suspect that there was a problem in TD Bank's handling of Direct Connect which got corrected some time today.
BUT! I'm still not able to send payments. Quicken says it's going to send the payment, no errors are reported, but the payment remains "To Send" on the Quicken side and doesn't show up on the TB Bank side.
Two steps (?) forward, one back, I guess.
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@Dave526 -
BUT! I'm still not able to send payments. Quicken says it's going to send the payment, no errors are reported, but the payment remains "To Send" on the Quicken side and doesn't show up on the TB Bank side.
You probably should call TD and ask them to confirm whether or not they see the bill payments scheduled on their side. There are many banks that support DC Bank Bill Pay but you will never see the scheduled payments in your online account until after the payment has posted. If they have updated their website (as I understand it) then maybe their website will no longer show payments scheduled from within Quicken until they have posted.
However, if those payments were actually scheduled by TD it should show in the register that the payments are scheduled (look for the lightning bolt in the Check # field). If you see the lightning bolt, click on it and you will see the confirmation details. If you are not seeing that lightning bolt in the account register, then it is likely the payment commands were not actually sent to TD Bank.
Another thing comes to mind: Was the payment scheduled in Quicken before the new DC connection was set up? If the payment is not confirmed by TD as scheduled, then perhaps you might want to delete the payment command in Quicken and then enter a new Bank Bill Pay transaction for it.
Also, if you have not already done so, you might want to double check on the Online Services tab of Account Details for two things:
- Confirm that your account is truly set up with DC.
- Confirm that Bank Bill Pay is enabled.
Quicken Classic Premier (US) Subscription: R59.35 on Windows 11 Home
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Dave 526, in Quicken on the transaction page of the TD account on the lower right side is a gear icon and settings. Click on this and on the next screen are several tabs on the top. One is Downloads. Click on this to change your download setting for this account to either Direct Connect or in my case the other option is Quicken Connect. I don’t seem to have a problem using either for what I do.
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This may be a special case, but it looks like TD Bank has fixed at least part of this.
- I'm not offered the Quicken upgrade, so still on R59.35
- I'm on Direct Connect, but only for downloading transactions, as it's only a credit card
- I do think they prefer DC vs. scraping as will have less complaints when page changes
- I had the mystery disappearing message during download, no indication or OL-295 codes, just failure
But today, after a solid weekend of fails, it's apparently back to working, no changes on my part.
It would really be good if Quicken had their act together, for what we pay.
Good on everyone who worked together on solutions here.0 -
Are you running QMac? This is a QWin thread and what you are describing does not sound like anything I've seen in QWin.
Also, you mention Quicken Connect which is a QMac connection method. Instead, QWin's equivalent to that is Express Web Connect or Express Web Connect+.
If you are running QWin, would you be able to take a screen shot of what you are describing and posting it here so we can visualize what you are describing?
Quicken Classic Premier (US) Subscription: R59.35 on Windows 11 Home
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I’m sorry, I’m on QMac. I’m in the wrong thread. But the TDBank issue is not a Quicken problem.
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No problem. I do the same thing myself sometimes. When I post in QMac threads I try to remember to keep my comments generic so they can be applicable to perhaps both QMac and QWin but sometimes I forget about that.
BTW, you are very likely correct that this is a TDBank issue. Most (not all) DC errors are caused by and can only be corrected by the financial institution. In this case it sounds like TDBank's system changes broke the DC connection authorization on their system and it needs to be reauthorized there by the account holder before DC can be set up in Quicken, again. At least that is my understanding of the situation based upon the most recent posts here. And this is a good example of an action that is applicable to both QMac and QWin. Your specific QMac steps might not be applicable to QWin but the basic action is applicable to QWin. So, thank you for posting that here.
Quicken Classic Premier (US) Subscription: R59.35 on Windows 11 Home
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The problem with sending payments to TD Bank remains unresolved. Quicken says it's going to send the payment request and says it's successfully completed the online update. But the Quicken register continues to show the transaction as needing to be sent and nothing shows up on the TD Bank side.
I've submitted a trouble report to Quicken and I've sent a message to TD Bank. Quicken's silent failure is a side issue, but I suspect that TD Bank hasn't completely fixed the issue that originally showed up as an OL-295.
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For what it's worth(?), I received the following reply after sending a message to TD Bank:
Hello David,
I appreciate the time taken to reach out and am happy to take a look.
Upon review, our teams are aware of this issue with Quicken/ Quickbooks.
At this time we do not have an estimated time when the issue should be resolved, however our teams are working diligently to resolve this issue.
I hope this information finds you well.
If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call us to connect directly with a TD Bank Tech Support Banking Specialist us 24/7 at 1-800-493-7562.
For your convenience, it's never been easier to find answers to common questions about your account and TD services at our Help Center online at .
Stay Safe!
Thank you,
Bria
TD Bank Digital Specialist1 -
Hello @Boatnmaniac,
I will go ahead and submit a request to have the support article updated. TD Bank Online Banking - New is what the current instance of TD Bank Online Banking used to be called when it was first added to replace an older instance of TD Bank. Once the older instance was removed, "New" was dropped from the name.
Thanks for pointing this out!
-Quicken Anja
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Just a few additional notes. @Quicken Anja @Quicken Jasmine
If you are on express connect, you can reset the account, and it will update to direct connect. Once this is done, you need to verify the TD Access to your financial software as listed above.
The Bank Bill pay displays, and the send payment function becomes available, but Payments are not received by TD and if you update or enter a bill pay transaction directly in the TD web or the app, those updates are not sent to Quicken as in the past. It appears the Bill Pay is simply not synching with TD.
I spent about 45 min on the phone with TD Tech Support and tried various suggestions, creating a new user ID, disconnecting and reconnecting the financial software, restarting Quicken a few times all to no avail.
I reiterated to TD that I am not alone, and I have other banks that work fine and encouraged them to look since the tech I talked to thought the problem was fixed. I told him half fixed.
One question I could not answer was is there a file that logs the communication with TD during these sessions? If I knew where that was maybe we copuld give them more info to work with.
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A variety of logs are available. Selecting "Report a problem…" from the "Help" menu will bring up a list of Quicken files. Selecting a file name will open the file (for me, it opens in Notepad, but that might differ from system to system).
I spent quite a bit of time looking through the various logs, but I couldn't find a smoking gun relative to the bill pay stuff. I wonder a bit if there's a protocol around sending and receiving bill pay information that simply isn't being invoked. But I really have no idea.
I did include all of the logs with the problem report I submitted to Quicken.
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