BMO Harris Bank (US) - INVALID_CREDENTIALS (FDP-103)

ddochter

I am seeing a new issue with Mac Classic desktop:
Error Code: INVALID_CREDENTIALS (FDP-103)
We were unable to validate your login information with BMO Harris Bank. Try signing in again. (FDP-103)

This is a recent error that ia affecting three of my accounts …. this worked prior to March 10, 2025. Ironically not affecting my Canadian BMO account (where multi factor authentication is working fine).

Version 8.1.1 (Build 801.56891.100)
macOS 15.3.2

Quicken Kristina

Hello @ddochter,

Thank you for letting us know you're seeing this error. To help troubleshoot, I checked on our end, and can see the issue started around the 26th of this month. If you haven't already done so, please backup your Quicken file, then follow these directions from this article on FDP-103 errors:

First, deactivate all the accounts with the affected financial institution

1. Open Quicken.
2. Go to the Accounts menu and choose Hide and Show Accounts;
3. Uncheck any accounts with this specific financial institution (FI) that are hidden in Lists;
4. When complete, click on the account name for your account(s) in the Accounts toolbar in Quicken.
5. Click the Settings icon in the bottom right corner of the screen.
6. Select the Downloads tab.
7. Click on Disconnect Account.
8. Click Done. Do this on each account with this FI. 
9. Quit Quicken.

Second, delete Quicken passwords from the Keychain

1. Open Finder and go to Applications > Utilities > Keychain Access app;
2. On the left panel in the Keychain app, set the Keychains to Login and the Category to Passwords.
3. Find and delete any entries that show Quicken or Quicken Connect and this FI name;
4. Quit the Keychain Access app and open Quicken.

Third, re-add the accounts

1. Go to Accounts > Add Account.
2. Type the name of the financial institution and make the appropriate selection.
3. Enter your login credentials and click Continue.
4. When Quicken has returned all accounts discovered for this FI, very carefully LINK each of the found accounts to the appropriate account you already have setup in Quicken.

Please let me know how it goes!