PNC bank upgrade affecting Quicken downloads?
Answers
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@charlieo.Hemlock and @Boatnmaniac
I am still having the problem as well. As noted earlier, I talked with my assigned "resolution specialist" on 12/26. I just called today in hopes of getting a status update. I ended up talking for some time with a different specialist who is working directly with Intuit/Direct Connect, and to whom my ticket has now been reassigned.
To make a longer story short, Intuit has (obviously) not yet found all of the instances where the changes in PNC's system related to the web site update "broke" their DC code. I shared some observations I have made and we tried another test, which together gave her some new information she thought might help and would pass on to Intuit after concluding our call.
I have her direct number, so will follow up again if I do not hear back (or otherwise learn the problem is resolved) in the next 7-10 days.
Greg
Quicken Classic Deluxe - Windows
Quicken User Since 2004
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Not encouraging for either of us. Fingers are still crossed.
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I don't understand users saying what seems to be that PNC support is fixing their individual accounts. I don't really want an explanation. he problems are not fixed. I worked in IT my entire career and never experienced a problem lasting this long. Just sayin'.
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I'm with @charlieo.Hemlock …. who said a little while back he might leave PNC over this.
I've had PNC for maybe 30 years. But this problem with being unable to integrate with quicken/billpay is a fatal flaw. And I'm disgusted by PNC support. I reached out to them a few days before Christmas and ascertained that to reenable Direct Connect after switching it off, I needed a new PIN from them. I left on vacation and was surprised not to receive the PIN in the many days I was gone. So a week ago, I called them again, and had them send it again. It's supposed to take up to a week; the USPS incoming mail indicates it still isn't coming as of today. In the meantime I have to keep adding new payees manually in the web version of billpay.0 -
Regarding mail delivery: Something is going on with the USPS. For the last month it is taking longer and longer for mail to be received. Yesterday I got 2 Christmas cards that were mailed on 12/15 and 12/18…yesterday was 1/9! My auto insurance company also mailed me something on 12/28…still not received and it's not shown in Informed Delivery for today. One mail piece was to have been delivered (per Informed Delivery) to me on 1/2…it seems to have fallen into a hole. Is this also happening with PNC's mail to you? Time will tell but I wanted to let you know that the USPS for me, which is typically very reliable, is not working so well in the past month.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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My new PIN took 9 days to arrive from the day I requested it. I now have 7 of my 8 PNC accounts connected to DC. I am still waiting on the 8th getting “fixed”. I am trying to do everything I can to stay at PNC…. but time will tell. Very frustrating.
As far as the USPS goes, I haven’t really seen delays here outside of Philadelphia. Every other week I also send myself a “test” check via BillPay. They have been arriving within 24 hours of the requested date ….. so far.0 -
I'm using PNC BillPay as well. Once you enter a payee, it stays, so it's a "finite" task. Also more of my payments go through my credit card (2% unlimited cash back) so I really have very few payees from my PNC accounts. At this point things are smooth enough that I'll stay where I am even when (if?) DC is fixed. Are you circumstances very different?
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I have quite a few bill pay payers so this was a big problem for me. I did get my PIN after over a week and DC worked again. If this happens again though, I will likely change banks.
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Hello @charlieo.Hemlock . I found a workaround that allowed me to successfully reactivate my Direct Connect accounts. I have just shared this with my PNC "resolution specialist", who believes what I found will help the IT techs identify and address the cause of our errors. She is also going to share the workaround with other PNC reps so they can ask other Quicken users with the same problem to try it.
In my case, the OLA-293-A and reactivation error appear to be related to the fact that in addition to my PNC Bank - Direct Connect accounts, I have another PNC account that downloads transactions via EWC+ through a different financial institution, namely PNC Card Services Online. So if you also have any PNC accounts not accessed through PNC Bank - Direct Connect, you may want to try this workaround and see if it works for you. If you do try, you should of course make a backup before starting, and perhaps another one before each step in which you will be changing or updating data.
- Open your Account List in Quicken and for each PNC account that does not list PNC Bank - Direct Connect as the institution, note the institution used (e.g., PNC Bank - Web Connect) and connection method (e.g., EWC+) as this info will be needed later.
- Deactivate every PNC account in the list - regardless of institution name or connection method. To do so (as you probably know all too well), first open the Account Details window (click Edit), then (a) go to the Online Services tab and Deactivate; then (b) go to the General tab and clear any data remaining in the Account Number, Routing Number and Customer ID fields in the upper right corner.
- Close Quicken, wait about 30 seconds, then relaunch it. (This may not be necessary, but is what I did so strongly suggest you do the same.)
- Attempt to reactivate your Direct Connect (DC) accounts exactly as explained by @Boatnmaniac earlier in this thread, to wit: Tools > Add Account > PNC Bank - Direct Connect > Advanced Options (a link at the lower right of the PNC Bank - Direct Connect view in Add Account) > select Direct Connect > enter your DC UserID and PW (as were provided to you by PNC) > when prompted make sure to LINK each downloaded account to the accounts that are already in Quicken and choose DON'T ADD for any non-DC accounts that may be listed.
- If the reactivation is successful then proceed with the remaining steps, but if it ends with an error (as it has in the past), you will want to stop, revert to your backup, and continue working with your PNC rep.
- For each DC account linked in the preceding step, check for duplicate transactions downloaded when linked. If any are found, accept and then delete them, then make sure the Quicken and PNC online balance amounts are in agreement as of the latest accepted transaction remaining.
- Perform an Update Now for each DC account to see if any additional duplicates are downloaded. If so, accept, delete and reconcile again.
- Once all Direct Connect accounts have been reconciled, close Quicken once again and wait about 30 seconds to relaunch.
- Now, reactivate your other, non-DC PNC accounts. IF EWC+, the process will be Tools > Add Account > PNC Bank - Web Connect (or whatever other institution you noted in Step 1) > Advanced Options (a link at the lower right of the PNC Bank - Web Connect (or other institution) view in Add Account) > select Express Web Connect > grant authorization via PNC web site credentials as prompted > LINK each downloaded account to the applicable account already in Quicken and choose DON'T ADD for any others.
- As was done above for each Direct Connect account, check each non-DC account for any duplicate transactions and accept/delete/reconcile as needed; then, do an Update Now to see if any additional duplicates are downloaded and handle them the same way.
This may take a bit of time if you have many PNC accounts but should be worth the effort it if it gets things working again. Note also that I have not yet tested Bill Pay on my applicable DC account, but after reactivation the Online Center shows my previously paid bills with the correct amounts and delivery dates, so I have no reason to believe it will not work correctly.
If you try this, please post how you made out!
Greg
Quicken Classic Deluxe - Windows
Quicken User Since 2004
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If this works that means something has changed in the system in a positive direction. I've run through this 2 or 3 times with no solution or even progress. Not sure what I'll do next. I only have 5 vendors that need to be paid from PNC with a "push" - the rest pull or get paid by credit card - and am using PNC Bill Pay. Might not go back.
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@Michael D'Amore , while the instructions for deactivating/reactivating PNC DC accounts indicate you need to deactivate all PNC accounts, they do not specifically say - or even imply - that applies to non-DC accounts as well. For that reason, and because my credit card account EWC+ account is set up and updates separately under a different "financial institution" (PNC Online Card Services vs. PNC - Direct Connect), it had not occurred to me to deactivate that account as well. But that is what worked for me.
I suspect that when PNC updated their website the data Quicken receives when "looking for your accounts at PNC" during activation was changed in a way which, depending on the mix of accounts a user has, breaks the software's ability to determine what data goes with what account.
I have also been using PNC Bill Pay while waiting for the DC activation/download fix, but prefer using Quicken for various reasons, one being that I prefer to "push" virtually all my payments. I ultimately also elected to temporarily switch my DC accounts to EWC+ (via PNC Bank - Web Connect) to download transactions. That worked, but when I later went to download my CC account transactions (also EWC+, but with PNC Online Card Services), I experienced a CC-506 error, indicating the account may have been closed or its nickname changed - neither of which was true. Having never had any download problems with this account before, I assumed this had been caused by enabling EWC+ for my former DC accounts and if so, some type of cross-account problem with the data received was occurring. This is what led me to try deactivating the CC account in addition to my DC accounts and then reactivating all of them.
Greg
Quicken Classic Deluxe - Windows
Quicken User Since 2004
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F Y I update on my long journey to get DC working at PNC
Today is Tuesday January 27th at 11:31AM. I am dancing on my desk!!!!!!
As you might recall I have been getting an OL-293A error for the last almost THREE MONTHS. I only have PNC accounts and they have always connected via just Direct Connect. Almost two months ago I was able to determine that the OL-293A error occurred when just ONE of my eight PNC accounts was connected via DC. The other 7 accounts all worked perfectly with DC (both savings and checking) when only they were DC connected. In fact, every time I tried to connect the 8th account via DC, the process would get 95% done and then throw the error "We encountered an error while connecting to your bank". The account never really connected via DC….. Neither Quicken support or PNC knew why just 1 of 8 accounts was a problem.
I finally opened a second case with PNC Tier 3 on 12/18/25. I was assigned a resolution specialist some time during the first week of January. I have since heard nothing from PNC support. I have tried to connect my 8th account (it's the most importantant checking account I use with DC) every few days…..
Today, the account finally connected without issue and downloaded almost 100 items. The account reconciled to the penny. I sent 3 Bill Pay items on the newly "DC connnected" account and they all went through (I got the lightning bolt and number).
I have not a clue if my case was specifically worked by PNC or if something "general" was fixed at PNC or at Direct Connect OFX.
Am I happy? Absolutely thrilled. Unfortunately, I have been here before back in November after the infamous PNC migration fiasco. All my accounts worked with DC for three weeks…. then the OL-293A problem. So I am just cautiously optomistic.. :-) I have connected 4 times today … just to see that green ball. We will see what happens tomorrow.
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Yay! Keep us updated if anything changes.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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@Boatnmaniac thank you for all your advice over the last 3+ months.
My fingers are crossed that it stays fixed this time and that PNC gets back to being the “brilliantly boring bank”.0 -
You are most welcome. Yes, "brilliantly boring" would certainly be a good thing.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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1/28/26 PM UPDATE #2
The celebration continues! DC working as it should today with multiple downloads and successful bill pays.
I did receive a call from the resolution person at PNC tier 3 just now. She was calling to let me know that a fix for my case was put in place yesterday. I told her I was aware and that all seemed to be working with the account that couldn't be "DC connected" for almost 3 months. I expressed a lack of confidence that the account would stay fixed (since it stopped working the last time after 3 weeks) and she was kind enough to ask me to call her with the closed case # in the future should the account go sour again.
I am still bothered by the PNC process. My resolution person had no idea what was done to fix my account(s). She was also not sure if the problem was at PNC or Direct Connect. My fix may have, in fact, been some general software fix that will help everyone who is/was getting the OL-293A errors. I just have no idea, other than it appears obvious the problem was not caused by Quicken or my Quicken file.
I think this thread should stay open for the next 4-6 weeks to see if the problems some of have been seeing with PNC reoccur or new issues crop up with PNC.
Charlie
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I was told I would receive an email when the PNC download issue was resolved but haven't heard anything. I hate to deactivate and reactivate if the problem isn't really corrected. Appears from above thread that maybe it is working but I've been fooled before. Can someone confirm status. If working is process the same as we have been given before?
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Hello @psnorris,
Thank you for reaching out! The alert was marked resolved. If you are still encountering issues, please follow these instructions from the Community Alert:
If you are still connected to PNC and are not on version R65.29 or later:
If your PNC Direct Connect accounts weren’t downloading transactions, updating to version R65.29 or later will resolve the issue.
To update:
- In Quicken, Select Help > Check for Updates…
If you previously disconnected your PNC accounts:
If you disconnected your PNC Direct Connect accounts while this issue was occurring:
- Update to version R65.29 or later.
- Reconnect your PNC account.
- Sign in using your PNC-provided PIN.
If you do not have a PIN, please contact PNC Support to get your PIN.
Thank you!
Quicken Kristina
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To be honest, I would not expect that you would receive notifiction from Quicken. The problems/issues were not really Quicken's issues, they were PNC issues (at least in my case and with others in this thread) since the migration fiasco in late October. Even back then, the issues were mostly caused by PNC/DC and not Quicken.
In my case I connectd all my PNC accounts via DC (one at a time) and found that one PNC account was causing all the others to fail. I opened a case with tier 3 PNC support and they eventually fixed the file after a few weeks.
In my opinion, your best bet is to contact PNC tier 3 support and open a case if you still can't download or use billpay via Direct Connect. They will eventually get it fixed and/or walk you through trying a test file to rule out your local copy of Quicken as the issue.
FYI. As long as you haven't deleted the password vault in Quicken, the 4 digit PNC PIN you have been using should continue to work as before…. if for some reason you deleted the vault, your existing PIN will not work and you will need the ORIGINAL PIN PNC sent you via the USPS mail. If you don't have that original number from PNC, you will need to request a new one (that is what happend to me as well, after PNC had me delete my vault)
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PNC Direct Connect 2.6.25
Has anyone else noticed that PNC DC downloads are available later in the day these days? I used to get everything no later than 10AM EST. Now….some days it's been at 11AM. Today it was 1PM.
Not a huge problem (as I am super happy just to get downloads :-) )…… just thought I'd pass along my experience with PNC DC the last two weeks.
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I download from PNC 2X per day….once in the morning around 7-8 a.m. (CST) and once in the evening from 6-8 p.m. so I don't notice it too much. This morning I did get 2 transactions downloaded. I expected 3 so hopefully that missing one will download this evening.
However, a couple of years ago it was a true real-time download of transactions. Now it seems there is some lag between when a transaction posts and when it downloads but usually it seems that the lag is no more than 1/2 day.
One exception to this is when I send a bill pay command to PNC right AFTER I've done OSU. Then I'll get a real-time data download that is not delayed which will bring in transactions that I would not normally see for up to another 1/2 day.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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@Boatnmaniac that is good to know.
I expected 5 items to be downloaded today. OSU got nothing at 11AM. I then checked every 30 minutes until they downloaded at 1PM.
Normally, I wouldn’t care so much about the timing…. but these days, I immediately assume there is another PNC problem. I’m glad that isn’t the case this time!!0 -
Yeah, I, too, still get a bit anxious whenever something unexpected happens with an OSU from PNC and from Fidelity. They both really hurt my confidence in them and it's going to take some more time to recover from that.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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Quicken Mac 8.4.2 - Direct Connect and Using Bill Pay. I receive a 16503 error code since 12/20/25. It happened earlier around October when they converted to their new system but resolved on its own. I've deactivated and reactivate as suggested by PNC 3 times. My issue was elevated to their "Escalation's Department" around 1/10. Since, I had absolutely a horrible time trying to connect with the person put in charge of my case. They promise to contact me but it never happens as promissed. Absolutely no help. If any is still getting a 16503 error message I'd be grateful to know if it is resolved and how, or if you are continuing to be unable to direct connect to PNC.
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So I have a checking and 2 savings and 2 credit cards with PNC. No downloads for 2 credit cards since Nov. on direct connect. Called them blah blah blah. So today I deactivated the 2 credit cards and set them up on web connect and bang updated them.
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2.20.26 Friday
Just an update. Third week of PNC Direct Connect working without issue after PNC was able to fix my primary checking account. I still have no idea what they did to allow it to Direct Connect without an error after a couple months, but they did do something. All Bill Pay's have processed as planned and no missed download items. No OL-293A connection errors.
Only thing different now is that the PNC Direct Connect downloads are available at different times during the day. Some days early . . some days later in the day.
Fingers crossed all stays good.
Charlie
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@gherm . I had to reset my Capital One card because it was not downloading transactions. Try resetting your PNC Credit cards.
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I experienced PNC DC download delays from 2/13 thru the morning of 2/19. Only one posted transaction in that time period downloaded while 6 others did not. Yesterday evening all of the missing transactions downloaded.
I experienced this same issue 2-3 wks ago, only it did not last for 6 days before the missing transactions downloaded.
So, it does appear that PNC is still having some download consistency/reliability issues but eventually everything has been downloading for me. Looks like they still have some work to do regarding this.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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Those results are somewhat dissapointing … but at least way better than what we experienced last Fall. I am hoping they improve their problem resolution process too.
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It gets worse. Tonight some additional transactions downloaded but they were duplicates and had a weird status of "New Match". However, they could not be matched to anything because the transactions that I think they were trying to match with were already matched by the downloads that occurred this morning.
Deleting these "New Match" transactions then also deleted the originally matched transactions this morning.
At this point I thought it might be best to restore a backup file from last night. The 2 savings accounts updated correctly and at first I thought the checking account updated correctly since those missing transactions downloaded correctly this time. But I could not reconcile the account to the online balance because the downloaded online balance was wrong…it was the online balance from yesterday, not today.
So, I thought I'd wait until tonight to run OSU, again, to see if the online balance would update correctly. Unfortunately, OSU did not improve the situation and it actually got worse because while Acct List and Online Account Details showed the accounts are connected with DC, the Acct Register shows no information directly beneath the Account Name and Account List shows the last download is "Not Available".
I deactivated all 3 accounts and did Add Account, selecting the DC option, which appeared to set up and complete correctly. But the same result as in the prior paragraph.
The bad part is that I don't know what caused all this. Is it because of ongoing issues with PNC? Or is it because I updated to R66.12 this morning (I observed some other issues with this update, so maybe….)?
I'm giving up for tonight. I'll start to troubleshoot, again, in the morning. I've got a plan for how to proceed but it might become rather time consuming.
Quicken Classic Premier (US) Subscription: R65.29 on Windows 11 Home
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