Fidelity Investments and Fidelity Credit Cards transactions are not down loading

CaptainJJ

I was able to download the missing fidelity transactions this am after a second attempt. The first attempt this am still had cc-601 error. Will advise if this changes tomorrow.

3/12-Fidelity data is now synchronizing again. Appears problem has been fixed.

OTN

I agree with Joseph Kopchick's comment: Quicken, what was the problem that caused this mayhem? There was no Quicken client code update, so it was likely on the Intuit "Express Web Connect +" code, or the Fidelity side. What was it? Be detailed. [Removed - Disruptive] Thank you.

OTN

mjohns1916 - this is what I used to get back up and running. I hope it helps. Quicken moderators, leave this post up please.

Olaf: I use Quicken Deluxe (latest client Windows version) and have 10 brokerage accounts at Fidelity Investments with a single Web Fidelity log-on, and 10 matching accounts in Quicken. I use quicken to download Fidelity transactions on a daily basis.  Quicken and Fidelity have recently established a new transaction download protocol via a Intuit-owned link-connection interface named "Express Web Connect +" that uses the OATH/Token protocol.  This link often breaks without error display or other warning. In addition, the relink process is not defined, is not reliable, and relink success or failure is not displayed.  The user can think everything is fine, but after a reauthorization and re-linking that appeared successful, transactions still do not download, again with no error display.  This is very frustrating as the vendor reauthorization and re-linking process in Quicken TAKES A LONG TIME and when not successful the complete process needs to be repeated in the hope that "this time it will work".

Olaf: Question:   What is a reliable follow-on process and steps to re-establish the "Fidelity Investments transaction download link to Quicken"?  Be sure at the beginning to include  steps and reasons to: (1) Refresh Sign in, then (2) Reset Cloud Data.

Gemini: Re-establishing a reliable connection with Fidelity after the transition to Express Web Connect+ (EWC+) can be exceptionally finicky because the "token" that authorizes Quicken to talk to Fidelity often gets "stuck" or out of sync between your local data file and Quicken’s cloud servers.

To fix this, you must perform a "deep clean" of the connection data. Following these steps in this specific order is the most reliable way to clear out the "ghost" settings that cause the silent download failures you are describing.

Step 1: Refresh Sign In

Reason: This forces Quicken to refresh your Quicken ID registration token. If this token is stale, it can't properly negotiate the OAUTH/Token handshake with Fidelity, leading to successful-looking logins that don't actually pass data.

1. Go to Edit > Preferences.
2. Select Quicken ID & Cloud accounts on the left.
3. Click Sign in as a different user (this is effectively a "Sign Out" button).
4. Type yes to confirm and sign out.
5. Quicken will prompt you to sign back in. Use your existing Quicken ID and password.

Step 2: Reset Cloud Data

Reason: Quicken uses a "Cloud Dataset" to manage EWC+ connections. If there is a mismatch between your local file and the cloud (which happens often when a link "breaks"), Quicken may think it’s connected when it isn't. Resetting the cloud data wipes the cloud's memory of your bank links so you can start fresh.

1. Go to Edit > Preferences > Mobile & Web.
2. Click Reset your cloud data.
3. Follow the prompts to complete the reset. This does not delete your transactions; it only clears the sync and connection metadata.

Step 3: The "Deep Clean" Re-Link Process

After refreshing your ID and the Cloud, follow these steps to re-establish the Fidelity link. Crucial: You must deactivate all 10 Fidelity accounts before trying to reconnect any of them.

A. Deactivate All Fidelity Accounts

1. Go to Tools > Account List.
2. Check Show hidden accounts at the bottom left (important in case a "ghost" account is hogging the connection).
3. For every Fidelity account, click Edit > Online Services tab > Deactivate.
4. Switch to the General tab and delete the "Financial Institution" name and "Account Number" fields. (This ensures Quicken doesn't try to use old, cached ID info).
5. Click OK and repeat for all 10 accounts.

B. Revoke Access at Fidelity (External)

1. Log into the Fidelity website directly.
2. Go to Profile > Security > External Data Sharing.
3. Find Quicken (or "Intuit") and Revoke or Remove access. This clears the token from the bank's side so a brand-new one can be generated.

C. Reconnect and Link

1. In Quicken, go to Tools > Add Account.
2. Search for Fidelity Investments.
3. Follow the prompts to log in. This will open your web browser for the OAUTH/Token authorization.
4. Crucial: On the Fidelity authorization page, make sure all 10 accounts are checked.
5. Once redirected back to Quicken, you will see a list of accounts. Do not click "Add".
6. In the Action column for each account, click the dropdown and select Link to existing account.
7. Carefully match each Fidelity account to its corresponding Quicken account name.

Summary Table: Why it fails.

Problem	Root Cause	Solution
No Error Display	Quicken thinks the Token is valid, but the Bank has revoked it.	Refresh Sign-In (Step 1).
Silent Fail (Success msg, no data)	Cloud Data is out of sync with Local Data.	Reset Cloud Data (Step 2).
Link won't "stick"	Hidden or old "Direct Connect" settings are interfering.	Deactivate all accounts & clear "General" tab (Step 3A).

cliffordsweet

I have been unable to download transactions from Fidelity since March 2. I used to get a CC-601 error, but today it became a CC-501 error. HOWEVER, all missing transactions just updated for our Fidelity Rewards Visa Signature Card account.

MauryJ

I haven’t had any issues in my 4 fidelity accounts (Visa, and 3 brokerage). Sorry to see so many people have been having a rough time with it. My only issue is they are ditching the Symantec token generator, and not it has to be anything but Symantec. I haven’t seen one I like yet, but I’m working on it

Patrick Larkin

https://community.quicken.com/discussion/comment/20542647#Comment_20542647

Thank you for this! After a couple hours doing this, and adding a forced balance adjustment to my "Cash" account (tracked separately, with SPAXX issues dating way back), everything lines up correctly now, for the first time in MONTHS! 8 Fidelity accounts in Quicken. Let's hope it stays this way!

OTN

You are quite welcome Patrick.

Now that Quicken/Fidelity is "up and running" and the Gemini re-link process is known, I hope Quicken Development will recognize as a "Priority 1 Bug" that "One Step Update", and similarly individual account "Update Transactions", does not have functionality to report to the user: (1) a failed Express Web Connect + / OAUTH Token update (any reason), (2) a failed "re-link process" where the Gemini-described re-link steps "did not work/succeed" (any reason). If additional code is needed to detect such failures in either the Intuit Express Web Connect + pipeline/link, and/or the Fidelity token-owner side, the Quicken please write and test that code. Allowing "One Step Update" and "Update Transactions" to run and "error-out" with no error-reporting to the user is unconscionable.

Also re: means of error reporting, if such failure is a "601 Error" then the 601 error should be reported-out to the user, regardless if the 601 error cause is the one that is currently reported out to external/users, or if the error source is the separate 601 error source (same effect) that is now only reported INTERNALLY and only able to be seen by "Quicken Support Supervisors. The 601 error should also explain that the link is "broken", requiring a repeat of the Gemini re-link process.

jiporter

Not working for me. Do you need to upgrade from Classic to access Fidelity?

OTN

"No."

bspinzig

Same issue for me ever since Fidelity switched to separate credit card numbers for each user

GaryRPDX

@mjohns1916 and @OTN I have been a Quicken User for over 30 years. I intentionally consolidated my investment accounts at Fidelity so that I could manage and track them through Quicken. Last July, I stopped receiving downloads and have tried every fix Quicken offered, including waiting for the problem to resolve. I have authorized and deauthorized the downloads as recommended multiple times without success. Last night I followed the steps you outlined, and now the downloads are working again. I am absolutely overjoyed and thankful for your recommendation. I am also absolutely irate that I lost months of transactions and had months of heartburn because Quicken never bothered to suggest the initial steps of logging out and in, and resetting the cloud data! That recommendation should have come when the migration was announced. Now my accounts are full of placeholders, but at least I'm getting downloads again. I can't thank you enough!

OTN

You are quite welcome GaryRPDX. I know exactly what you mean (I'm a 25 yr Qkn user) and the pain and time wasted you experienced. Qkn was little-to-no help, except for the Qkn support supervisor who told me there were hidden 601 errors (failure to connect) that only Qkn supervisors could see. Things went way-South with Qkn when Intuit sold Qkn to Private Equity. You can tell they are getting ready to sell Qkn again. This time, hopefully Fidelity will buy it. I did a google search: "Which private equity firm owns Quicken?" and below is what came back:

"Aquiline Capital Partners is the private equity firm that acquired a majority stake in Quicken Inc. in 2021. They purchased the personal finance software company from H.I.G. Capital, which had previously owned it since 2016. Key details regarding the ownership:

• Current Owner: Aquiline Capital Partners.
• Acquisition Date: September 2021.
• Previous Owner: H.I.G. Capital (2016–2021).
• Original Owner: Intuit Inc..
• Current Status: As of July 2025, reports suggest Aquiline Capital Partners is exploring a potential sale of the company."