Anyone else seeing OL-295-A with TD Bank?
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Yeah…that didn't work for me. I tried a variety of different things, but never got to a point where I could select the connection type. Oh well.
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did you try setting up a "new" account in Quicken, selecting TD Online Banking and Link to existing account?
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I think Quicken doesn't let you select any more, but automatically chooses Express Web Connect if you go through the deactivate-activate-again sequence. I'd quit and restart Quicken in between, and after.
This has worked for me, with result that Downloading transactions appears steadily reliable — two fresh came in this morning, one of them I know not occurred until late yesterday afternoon.
Bill Payment I think will not work until they get this fixed properly.
I now suspect the behavior that would not be accepted by any business or bank themselves from Quicken, these months-long outages, may well be due to Quicken using an intermediate service called Plaid, to handle all bank transactions as we see them.
So now you have three players, for every episode: Quicken, Plaid, and the particular bank involved. This is combined with very apparently offshoring all technical work, with culture and timezone much distant from tbis North American continent. These persons offering 'nobody tells us estimates' are a fourth part of the picture.Banks have long not been happy with Quicken, preferring their own bill pay, websites, etc., though they know that as a customer matter they have to support it. But this three-way finger-pointing surely makes getting cooperation and fixes that much more challenging than the well-known two-way case.
As a very experienced actual consultant of an old school, this is a solvable problem surely, however. It will take Quicken executives to realize their responsibility, and install a crack team charged only with rapid repair of these outages. Those persons need personal abilities both to see into the protocol problems, and then draw together the three-way actors effectively to clear without delays. They should site in North America.
The problems will continue to arise naturally, due to the independent nature of banks. But there are new technical improvements, the recently updated Direct Connect protocol, which should make this much less prevalent, because it eliminates trying to read each bank's website, 'screen scraping', which will break every time a bank's online view is altered.
This team should indeed be able to ogive updating timelines on outages — which will be very much shortetr.
Quicken can certainly 'afford' the team's costs, with what they take as income, before you get to the efficiencies of handling the fundamental basis for their services correctly. They likely know how to make the arrangements from their Quckbooks experience, where outages like these will not be accepted, and they will gain the benefit just as much on their Simplifi product, which looks to use the same 'back end' and have similar problems.
If they don't, I notice more and more outfits joining the pond for personal accounting. Most of them might be dismissed in a certain kind of boardroom, but soon enough, someone is likely to become smart enough and ambitious enough to disrupt Quicken. The history of maintaining its monopoly won't matter then, and the new contender will be far simpler and far more reliable also, by being smarter. You can fill in the blank on that — as so-called AI in the form of LLMs will give true efficiency in writing and maintaining the very ordinary software that accounting programs are, which it can now handle. So the overtaker can have real acceleration. Smart finance would improve itself as rapidly, and now, or face the consequences, I think it's safe enough to say.
Here's hoping, that Quicken can wake up now, and put an end to being tedious. The many who enjoy what it does, when it works, would be much happier, and much more inclined to stay.
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OK. In complete detail…
- Started with TD Bank enabled for Direct Connect both in Quicken and at TD Bank
- At TD Bank, I deleted "Financial Tool Access" for "Quicken Windows 2018"
- I deactivated Online Services in Quicken Account Details for TD Bank Checking Account
- In Quicken Add Account, I selected "TD Bank Web Connect"
- That took me to the TD Bank login page in my browser and from there to an online authorization.
- Then back to Quicken to "Link to existing…"
- And that all worked!
The difference this time was the selection of "TD Bank Web Connect" rather than "TD Bank Online Banking". Last time around there were far fewer TD Bank options and, though I could be wrong, I don't think TD Bank Web Connect was on the list.
Anyway, now it seems to be downloading as expected. I can enter bill pays on the TD Bank site, but that's pretty painful so we still need to get Direct Connect working again…
Dave
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