Anyone else getting OL-221-A or OL-221-B when updating accounts online?

J.T.

I received the errors when attempting to update both my US Bank and Navy Federal account information today.

Boatnmaniac

Perhaps this Support Article will be of assistance to you: https://www.quicken.com/support/error-message-ol-220-ol-221-ol-222-ol-223-ol-224-ol-225-or-ol-226-when-using-online-services/

FYI: Financial Institutions do maintenance on weekends more than on any other day. This error often occurs when the FI is doing maintenance, sometimes due to a total connection block and other times due to restricting the level of access being made available. Often times doing Update Now after getting the error code will result in a good download. But if it does not, try again later. It is possible that the error will not go away until the next business day which in this case will be Tuesday because Monday is the MLK Day holiday and most FIs will not be open.

TSD

Still not working on January 20, 2026

Quicken Kristina

Hello @TSD,

Thank you for letting us know you're encountering an issue. To help troubleshoot, please provide more information.

1. Are you seeing this issue with US Bank and Navy Federal?
   1. If not, which financial institutions is this happening with?
2. Are the problem accounts connected using Direct Connect, Express Web Connect, or Web Connect?
   1. You can check how an account is connected by navigating to Tools>Account List and looking in the Transaction Download column next to the problem account.
3. Did you already follow the troubleshooting in the article @Boatnmaniac linked earlier?

I look forward to your reply!

Bowhunter688

I'm getting the same error using US Bank account for about 4 days now.

larryg_lslmo

@J.T. @Boatnmaniac @Bowhunter688 @Quicken Kristina

POST DISCLAIMER: Only seen this with USBank, not my other banking/investment institutions. If Navy Federal also having issues then possibly this is a "middle-man service" in between the bank and the customer causing the file corruptness.

This is a US BANK (or middleman service) issue, not QUICKEN as @Boatnmaniac has implied with his response. I have seen the same problem since 17 JAN at least for US BANK.

The QFX files are corrupted, with many duplicated tags and such. Found one "supposed to be unique tag" listed 32x. File size is way inflated. Normally 3-8KB, coming in 96-300KB now.

Normally by now USB tech folks have got it straightened out but not yet. Best thing is to NAG US BANK Customer Support. Unfortunately there are no "TECHNICAL" problem drop-downs so you have to talk to someone with ZERO software knowledge trying to convince them the problem is on USB side.

Posted a write-up under this topic with some of the file problems found ...
https://community.quicken.com/discussion/7970287/quicken-will-not-reauthorize-usbank

Good Luck ... waiting patiently(?) for USB to figure it out!

LarryG

Boatnmaniac

https://community.quicken.com/discussion/comment/20533641#Comment_20533641

Thanks for the additional information. Have you submitted a report to Quicken along with the log files (Help > Report a Problem). That can be very helpful to the Quicken team in determining what the cause of the issue is and what they can or need to do to help resolve it…even if it is not a specific Quicken issue.

Also, just to clarify: I was not implying this is a Quicken issue. I simply posted the Support Article for the error code that was referenced in the OP. And I mentioned that getting that error code, especially on a weekend, might indicate a financial institution (USB) cause (i.e., blocking or restricting connections because they might possibly be doing some sort of system maintenance).

No one has said what connection method their account(s) are set up with but if they are set up with EWC+ then Quicken needs to be involved in the resolution of it because it might be something in their system or in the aggregator's system that could be causing or at least contributing to the issue. If this is a DC connection issue, then, yes, most likely it is a USB caused issue.

BTW, I have 5 USB bank accounts set up with EWC+ in one of my data files. I run OSU on that data file 1X just about every day, even on the weekend that this issue was first reported, and have experienced no error codes or issues with downloading. So it is interesting that if those reporting this issue are set up with EWC+ then why is it that only some people do but others do not?

larryg_lslmo

Hey @Boatnmaniac, I have not had a problem [yet] with the accounts using EXPRESS WEB CONNECT+ (EWC+) … and ONE STEP UPDATE (OSU) is only processing those setup with EWC+, but it appears I no longer use DIRECT CONNECT (DC) for any account, however, I still use manual QFX file download and import with a couple three institutions. IMHO (and Mech/Software Engineer opinion), the QFX files are CORRUPT. A simple DIFF between a good one and a bad one shows all sorts of duplication and problems in the QFX file.

SUPPOSITION: I do not know if Quicken provides just a QFX file spec to institutions or a tool of some sort … BUT … if Quicken changed the spec on the QFX file format back when R65.29 B27.1.65.29 was released and the banking institutions are slowly picking that new format up; which would explain the sporadic reports by Quicken customers using all the different banking institutions; that would mean the QFX format and the release are not compatible, which would ultimately be Quicken's problem.

One thing is for sure … the QFX downloads are WAY INFLATED size-wise, with many duplicated tags.

To answer your first question … NO … I have not created a Quicken report, as I was waiting for USBank to fix their download, but if my supposition is correct, then possibly Quicken has a little more skin in the game! That and USBank downloads are still BLOATED as of today (21 JAN)!

LarryG

mehall

I have been having this problem with Truist Bank since Jan 19. My last successful download was Jan 9. I have successfully downloaded from Chase.com on Jan 21.

WendyZ

Same here with Truist Bank. Unable to download since 1/19/26.

Julie26

Also unable to use downloaded data from US Bank. So, I set up the one step connect. It downloaded about 45 days of data but I need several months. I can't find a way to fill the gap.

I also downloaded a csv file from US Bank. I haven't worked with this in awhile —

Q: Using the downloaded csv file — can I import that to a spreadsheet then cut and paste into a register to get my missing months of data?