Quicken Error when updating accounts with different logins from same financial institution

will66pu

We have two joint accounts at Bank of America. Each account has a credit card associated with it. The credit cards are visible only in the account with which they are associated , so updating credit card transactions in Quicken requires separate logins into each of the two BofA joint accounts. ,

BofA today required reauthorization of our Quicken connection to its servers. Reauthorization worked, except for the credit cards. Credit cards for both BofA accounts already have transaction accounts in Quicken. A reauthorization request in either BofA account correctly does not see, or offer to reconnect to Quicken, credit cards associated with the other account. HOWEVER, on completion of the reauthorization process, an error dialog window pops up in Quicken, for transaction accounts associated with credit cards in the other BofA account, advising these credit cards were not found during the reconnection process and that associated transaction accounts in Quicken should be deactivated. AN ERROR FLAG then appears in Quicken next to these transaction accounts. The reauthorization process for the second BofA joint account, with which the now error flagged Quicken credit card transaction accounts are associated, DOES SEE AND RECONNECT these accounts in Quicken. HOWEVER, since the second BofA login does not see credit cards associated with the first of the two BofA accounts, now the credit card transaction accounts in Quicken associated with the first BofA account are ERROR FLAGGED, a catch 22.

Interestingly, the error flagged credit card transaction accounts in Quicken still show an activated online connection and do allow an update process with BofA. Makes sense, as BofA had authorized a Quicken connection for all credit card accounts, each after their respective BofA login. The reauthorization process worked, as far as BofA is concerned, for all accounts.

The GLITCH is the appearance of error flags in Quicken during this reconnection process , when there is no error. It seems the Quicken program's expects that all transactions accounts in a data file associated with a financial institution require only a single login. A second login to access different accounts at the same financial institution creates error

simple enough to fix. Why not simply replace the error flag with a warning that can be dismissed?

Quicken Anja

Hello @will66pu,

We appreciate you bringing this to our attention.

If you don't mind, could you please provide a screenshot of the error flag you are seeing? If needed, please refer to this Community FAQ for instructions on how to attach a screenshot. Alternatively, you can also drag and drop screenshots to your response if you are not given the option to add attachments.

Thank you!

will66pu

see screenshot of credit card accounts associated with first login. Error flags next to displayed accounts appear when reauthorizing/activating accounts associated with second login. second login creates error flag for credit card accounts associatged with first login, but credit card Quicken transaction accounts, having been authorized/activated by first login, still show as activated in Quicken. Updating these accounts appears to complete normally, although so far I have not had transactions to download for error flagged accounts..

binary512

To will66pu.

Very good writeup. I have been experiencing this for the last week (with Capital One), along with many others. Quicken needs to fix it, as you suggested.

CaliQkn

@will66pu - If you hover over the "Do Not Enter" icons, is there a message that pops up? Does anything happen if you click on the icons?

will66pu

hovering over icon shows ADD ACCOUNT popup, i.e. Quicken thinks account is not activated, when it was activated

will66pu

problem described in my initial post in this thread is more complicated than I thought. It appears that Quicken handles/retains only one set of login credentials for the Web Express Connect activation method for Bank America, and many other financial institutions. If two login methods are used to activate accounts, the login credentials used the second time overwrite those used first. For some institutions , e.g. Charles Schwab which also uses Web Express Connect, Quicken does allow, and will store in the Password Vault, multiple different account login credentials. But in the Bank of America case the Quicken program/Web Express Connect retains only the most recent set of login credentials used to activate a Web Express Connect connection.

will66pu

HELP thought I had a workaround to Quicken's inability to handle accounts with multiple login credentials at a financial institution. I did o a manual download, of a webconnect transaction file for the accounts Quicken's one step update process, with its single stored login credentials, was unable to handle. Well that didn't work. When I tried to import the downloaded transactions into my Quicken data file, the Quicken program automatically activated one step update for the account I was trying to import to , advising me that was better method than a manual download. Well, it would be, except the activation force linked the account to the wrong login credentials. If it is too much trouble to allow mulitple logins for transaction updates at a financial institution, Quikcen users should at least be allowed to do manual downloads for accounts with a second set of login credentials.

Quicken Kristina

Thank you for the additional information,

Based on your description, and the screenshot you provided, there are a couple possibilities.

It is possible that the separate logins with Bank of America are fighting over the same token (authorizing one login deauthorizes the other). If this is what's happening, then you would need to contact the financial institution for assistance.

Another possibility, if all accounts under both logins are visible on the Add/Link screen in Quicken when you're reauthorizing, is that the accounts are getting reconnected under a login where they do not have the right permissions to download into 3rd party apps. If this is what is happening, then to correct the issue, you would need to backup your Quicken file, navigate to Tools>Add Account, and follow the prompts to connect the accounts under the login that is currently showing disconnected. Once you get to the Add/Link screen, make sure to carefully link the accounts to the proper nickname in Quicken. For the accounts that should be under the other login, if they are visible on this screen, make sure they are set to Don't add to Quicken. Doing this will make sure Quicken does not reconnect them under the wrong login.

I hope this helps!

will66pu

Kristina

The second possibility you suggest does not exist here. . . ALL accounts are not visible on the Add/Link with either login. Only a subset of accounts associated with each set of login credentials is visible with that login.

The first possibility you suggest , fighting over the same token, appears close to the mark. It is counterintuitive to say, as you seem to do, that I should ask Bank America to allow two different set of Bank America login credentials to use the same authorization token for connecting to Quicken. It seems to me different account login credentials should have account visibility specific to a login , and different connection "tokens"., for security reasons. It is the limitation in The Express Web Connection in the Quicken program that allows only one set of login credentials per financial institution to be used for a data file. .

I have run into the same Quicken issue with USAA accounts where we have multiple login credentials for multiple USAA accounts, As for Bank America, I am able to make a Quicken Express Web Connection in USAA only for the subset of accounts visible in any one of the login credentials . Trying to connect Quicken to one USAA login and its account subset freezes downloads to Quicken in the other.

On the other hand, the Quicken program Express Web Connection allows multiple login credentials to be used to access Charles Schwab accounts using different login credentials .

Is Intuit choosing not to implement a Charles Schwab type solution for all financial institutions, or is a change in financial institution connection protocols also required to implement a Charles Schwab type Quicken connection solution?

This issue is, I expect, experienced by many Quicken users, i.e. anyone trying to track family finances where the spouse has separate bank accounts and/or credit cards.

Quicken Kristina

Thank you for your reply,

The authentication token is issued by the financial institution, and any limitations on that token are imposed by the financial institution, not by Quicken.

Since Bank of America offers multiple connection options, you may be able to connect the separate logins to different connection options in Quicken and see if that helps.

If that does not help, then I recommend contacting Bank of America about this issue.

I hope this helps!

Quicken Kristina

Hello @will66pu,

Just following up. Were you able to contact Bank of America's support about this issue?

Also, so that we can investigate on our end, please navigate to Help>Report a Problem and send a problem report with log files attached.

Once you've sent logs, please let me know.

Thank you!

will66pu

Kristina

Bank America (B of A) accounts using a single set of login credentials can be, and in my case , are activated with Express Web Connect. If one uses other login credentials to activate different BofA accounts using Express Web Connect, the accounts using the first login lose their B of A connection in Quicken , i.e. different logins at Bof A from the same Quicken file apparently fight over one activation token.

B of A offers a manual transaction download to Quicken, if one logs in directly to B of A accounts on their website. The manual download is a Web Connect file. When the manual download file is opened, its transactions can be entered into the relevant Quicken account file. The Quicken accounts into which the transactions have been downloaded also then, if a connection has not been previously activated, automatically activate a Web Connect connection to Bank of America. The Web Connect connection does not prevent other B of A accounts in Quicken, activated using Express Web Connect from updating, using One Step Update. However, the Web Connect activation does not subsequently download transactions in One Step Update, which makes sense as the second set of BofA login credentials was not provided to the Quicken program during the manual transaction download.. The activation method of the Web Connect accounts can be upgraded to Express Web Connect, but doing that runs into the original problem of a single activation token not working with multiple login credentials. For B of A accounts with the second set of login credentials only, but at least, a manual download of transactions will work.

I am a long time user of Quicken, and multiple login credentials to financial instituions worked just fine, when Quicken was able to use Direct Connect connection methods.

It looks to me like the ability of the Quicken program to use only a single login method to connect to a financial institution is a common limitation of the Express Web Connect connection method.

I have not contacted B of A because of previous experience with the same problem at USAA. My wife and I have USAA credit cards, each in our own name. Notwithstanding that we are both authorized users of each other's cards, USAA will allow a Quicken Expresss Web Connect connection for only one or the other of these credit cards to download transactions,. Use the login credentials for one to activate a Quicken connection and you prevent a connection to the other.

kwhawk

When you are updating your accounts do you see one or two accounts listing Bank of America on the update list? I use to have 2 and it got consolidated down to 1 and I had the same problem.

Sign in and get one account working. Then go to Tools> Add Account and run thru the process for the other account with the different the login credentials. At the end it asked if I wanted to link to an account in Quicken which I did and it has worked correctly since.

Working thru the options on the account and deactivating and reactivating does not create the second login stream that you need. You must set use the add account avenue.

Now when you update you will see 2 accounts linking to Bank of America instead of one.

For Schwab I have 1 update line that updates 4 accounts. Just different by vendor or Quicken, I have no idea.

Hope this helps. Not the best explainer.

[Edited - Readability]