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Fidelity DC to EWC+ transition - what's the latest?

egoldwater

I use Quicken Classic on Windows, currently at R64.35. I have been using Quicken Direct Connect for years to download monthly activity, and following the posts about the transition to EWC+with increasing trepidation. I was able to delay the cut-over until now, but it seems now I must either do it or revert to manual entry. The most recent official update I find is as of 9/22/2025 at

https://community.quicken.com/discussion/7964580/updated-9-25-25-fidelity-cut-over-migration

Before plunging in I'd love to hear how the has transition been going more recently? Specifically, with regards to getting all transactions, as opposed to "simple"? not getting duplicate transactions? other quirks to watch out for?

Are you using the "re-authorization" process Quicken automatically pops up, or deactivation followed by re-activation, as described at https://www.quicken.com/support/deactivate-and-reactivate-online-banking-services-quicken-account/.

I am tempted to use the latter, where I know what I'm doing.

Finally, WHY is EWC+ more secure? From all I can gather, it goes through an intermediate server, whereas DC come directly from Fidelity to my machine. How does putting something in the middle of the download make it more secure? I really hate the idea of handing all my data over to Quicken (or its contractor). I understand this is a purely theoretical question, but they are making us go through all this ostensibly for better security?

Thanks for any information on whether this process is now more stable than in the posts I have seen thus far.

[Edited - Enabled Link]

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NotACPA

It's working fine for me, after a few conversion related transaction edits/deletions.

And, "all transactions" vs simple is a separate issue. You can revert to "Complete' by doing an edit of your Investment account via TOOLS, Account List and clicking EDIT adjacent to your Fidelity account.

Quicken Kristina

Hello @egoldwater,

Thank you for reaching out! Here is the link to a more current list of known issues, work arounds, and fixes:

https://community.quicken.com/discussion/7965464/updated-10-28-25-fidelity-updates

To answer your question about why Express Web Connect+ is considered more secure, it's because your actual login credentials (user ID and password) are never shared with anyone except the financial institution. For more information, see our article about connection types in Quicken: https://www.quicken.com/support/how-quicken-connects-your-bank/#section-windows-1

I hope this helps!

Fletch200

Trepidation indeed - especially considering all the issues listed in that Fidelity Updates post.

Is it possible for me to backup my entire data folder - try the migration - then just revert back if it goes wrong - then try again later after more fixes are released. I recently got pushed R64.

jersey42

https://community.quicken.com/discussion/comment/20519430#Comment_20519430

As of about two weeks ago, you can no longer revert back to Direct Connect.

Of course you can always restore the backup file and don't do any more One Step Updates until more fixes are released.

pablomiller

After being on EWC+ for more than a month, with 15 Fidelity accounts and experiencing no issues other than the minor core cash issues with a few of them, it suddenly stopped working. Numerous trades executed yesterday on at least 2 accounts failed to download this morning. Is there anything I should be doing before I do a Reset Account ? I wasn't sure where to post this because all of the other discussions surrounding Fidelity download issues seem to have been closed for further comment. Is this the way it's going be … keep hitting the reset button whenever a problem shows up ? Please advise

HKB

@pablomiller Yes

pablomiller

https://community.quicken.com/discussion/comment/20519464#Comment_20519464

With no further guidance than a "Yes" from @HKB, I went ahead with a Reset Account. I ended up doing a couple of Reset Accounts, and then tried a Deactivate / Reactivate. The 2 accounts that aren't uploading showed up with what looks like should have worked to get them reconnected, but the OSU returned nothing, with no error messages pertaining to Fidelity. I then proceeded to Deactivate every Fidelity account (15 in all) and Reactivate them. So after that, and what appeared to have been a successful Reactivation of all 15 accounts, the result is still NOTHING … no sign of the trade executions from yesterday, and no error messages from the OSU

I went from more than a month of relatively smooth operation under EWC+ with Quicken and Fidelity to sudden complete cessation of critical functionality.

Questions: (for anyone, @Quicken Kristina, other moderators ?)

Is the download dysfunctionality embedded within my Datafile, and if I restored to a backup Datafile from the weekend that was successfully downloading, would download functionality resume ?
Any other tricks left in the bag ?

I am using Quicken Classic Business & Personal R64.35 Build 27.1.64.35.

Fletch200

https://community.quicken.com/discussion/comment/20519447#Comment_20519447

Ok, cool. I understand reverting to DC is not an option, I was just wanting to avoid corrupting my accounts and having to do things like finding and deleting years worth of duplicate transactions, etc.

I see that some are having success and my transaction load is probably very light compared to others - so maybe I'll land in the 'works for me' boat.

So backup - give it a try - then revert and wait another month if issues is the path I'll take. I appreciate the updates they are posting here regarding this but at the same time it's concerning there are so many issues.

Bob@45

My recommendation would be to wait a day. "Yesterday's transactions not downloading" could simply mean that the EWC+ pull of your data from Fidelity to the intermediary servers took place before Fidelity provided those transactions for download.

Many financial institutions do their posting in the early morning, and that's also when Intuit(?) does their pull. Sometimes the pull happens before the posting.

DC didn't have that problem, because it pulled directly from the FI, but EWC+ does just a daily pull, and whatever isn't ready when that happens will normally come down the next day.

pablomiller

https://community.quicken.com/discussion/comment/20519541#Comment_20519541

Waiting did not help. I had to go full nuclear and ended up having to go back to my weekend update file, and then still had to Deactivate / Reactivate all of my Fidelity accounts. Then after that process, somehow every connection to all of my various bank, credit card, non-Fidelity and Fidelity Accounts got the dreaded slashed circle symbol, so I ended up once again Deactivating and Reactivating every account, Fidelity and otherwise. That made everything work again, and of course then needed to identify and delete numerous duplicate transactions that came along with that and finally accept those that were truly new transactions. It's worked again now the past 2 days, including a OSU I just performed just prior to Midnight, Nov. 7 which picked up the transactions from today. It's been my experience that as long as the EWC+ connection is healthy, transactions from a given day are ready to downloaded at least by midnight of the same day.

Fletch200

I threw caution to the wind, backed up my data, and did the conversion. Some bumps along the way that I did not understand but just took Quickens "recommended" action. Ended up loosing allot of money but managed to get it all back. Things I encountered.

Some duplicate transactions - mostly easy to spot and remove. I only got recent data too - since my last connect in Sept, so not a years worth or something like that.

As for the lost money, I stumbled across the cause by chance looking at the holding dialog which I seldom ever do. There were a few in the red. I went to those transactions and found that the imported data was bad. These were CD's, so 1 at a base of 100 = $1000.

So instead of

10 @ 100 for 10,000

the imported data was

1,000 @ 1 - or maybe 10, I didn't take a screen shot or think too hard about it. That somehow resulted in a negative value.

So I just corrected the Number of Bonds for each and Quicken set the price at 100. Once corrected all the money I had lost came back.

Quicken Kristina

Thank you for the follow-up,

I'm glad to hear that the conversion was mostly problem-free and you were able to correct the issues that did happen. There is always a risk of duplicate transactions, especially when changing the connection type. I'm glad to hear they were all fairly recent and easy to spot. I'm glad to hear you were able to find that the CD information being incorrect was the cause of the lost money.

Thank you!