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America First Credit Union - OL-295-A [Edited]

clufster

For the past 2-3 weeks, I have been getting OL-294-A and OL-295-A errors when trying to update my America First Credit Union accounts. The issue persists for 2 or 3 days, then spontaneously functions for 2 days, then recurs.

I've contacted AFCU about these errors, and their tech team could not find any problems on their end.

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Comments

AnnieOne

I am having the same issue, so I reset. Still won't connect.

JedWare

Just got OL-295-A today for AFCU. Did they kill Quicken support?

Quicken Laura

Hi everyone,

Thank you for reporting the error you are getting. I'd be happy to help you with this issue.

Please send your log files so we can forward them to the proper department for further investigation.

To send your logs:

Open Quicken
Click Help
Select Report a Problem
Click Send to Quicken

Once submitted, please let us know. I look forward to your response!

[CBT-1075]

droidkfx

I have the sample problem. I also called AFCU, and they said a bunch of people are calling and it is not an issue on their end. I reported the problem in Quicken after attempting to download transactions again, but the download still failed.

droidkfx

I was able to fix this myself. Which tells me the issue is with Quicken, which is frustrating because the docs say that OL-295 is DEFINITELY a bank server issue.

For anyone interested, I was able to get it working (who knows for how long) by:
1. Go to my AFCU account
2. Edit account details
3. Online services tab
4. Click the "change connection method" button.
5. There was only 1 option for me, and it was for "Express Web Connect" (I don't think this is actually the way Quicken wants to connect…)
6. Re-set up and relink the account.

I quit Quicken and updated the account again to confirm. There is definitely a bug of some kind in Quicken here, though.

pmcgeorge

Tried to re-link mine, but it resulted in an add account loop. Every time I tried to refresh it, it would loop back to adding accounts. Restored a backup and will see if there is a fix soon. bug report submitted

JedWare

Reported the problem in Quicken.

AnnieOne

Same problem this morning.

Blake

I was able to fix it!! Very similar to droidkfx above.

In Quicken for Mac, I deleted the AFCU connection completely.

Then went back in to set it up as a "Quicken Connect" connection.

Worked fine.

[Edited Readability]

hpsmoot

OL-295-A - Direct Connect Error with America First Credit Union - I have been having this error for three weeks now:

OL-295-A ERROR

As I understand it, the Direct Connect service with America First Credit Union is currently being denied on their end. While there is a possible workaround using Express Web Connect—which involves re-linking all accounts—my understanding is that this method requires storing your username and password within Quicken’s system. From a security standpoint, that raises concerns for me.

Direct Connect is generally considered more secure because it allows credentials to be stored on the user’s own computer or requires the password to be entered during connection. In addition, Direct Connect supports important features such as bill pay, whereas Express Web Connect is limited primarily to downloading transactions.

For these reasons, I strongly prefer to use Direct Connect. At this point, it is not entirely clear where the underlying issue originated. Some users in this discussion believe that a recent change on Quicken’s side may have contributed to the problem. If that is the case, it would be appropriate for Quicken to work directly with America First Credit Union to help resolve it.

From what I can tell, this issue has been ongoing for at least a week without resolution. It would likely be most productive for America First Credit Union and Quicken to communicate directly and collaborate on identifying the cause. Right now, it appears each side may believe the issue lies with the other. However, it is clear that something has changed on one side or the other, and that change has disrupted Direct Connect access for America First Credit Union users.

At this point, the best path forward would be for both organizations to work together to determine what changed and restore Direct Connect functionality for their customers.

hpsmoot

I sent the following to America First Credit Union on March 6, 2026, at 7:40 PM

I have called the service center twice now and spoken with two different support personnel. Neither one seemed very savvy on Quicken connections. I gave them the error code being generated by Quicken, which clearly points to a problem with connecting to the America First Servers. I have been using Direct Connect. I have been using this system for about two decades now, and about 10-14 days ago, this connection on my multiple accounts all started giving me the same error. The error given is the following: OL-295-A - Your financial institution has rejected this transaction. For more information, contact your financial institution. Nobody on the AFCI standard help line seems to know how to handle this issue. They want me to fix my firewall settings, which haven't changed for years. Not the issue. They want to fix my Quicken software. I'm using the latest version, so it should not be the issue. The error message text clearly states there is an issue with the connection at America First Credit Union. Surely there is a Quicken Team, or someone assigned to maintain the technology to connect to Quicken Classic Premier Version R66.23 Build 27.1.66.23.

Here is my assessment today after contacting AFCU again today, March 13, 2026:

Direct Connect is generally considered more secure because it allows credentials to remain on the user’s own computer or requires the password to be entered during connection. In addition, Direct Connect supports important features such as bill pay, whereas Express Web Connect is limited primarily to downloading transactions.

At this point, the best path forward would be for both organizations to work together to determine what changed and restore Direct Connect functionality for their customers.

[Edited Readability]

$Photo of fractal6969$ fractal6969

Well said…..I concur 100%

$Photo of fractal6969$ fractal6969

Mine just started working on its own…….they did something….

hpsmoot

fractal6969, are you using Direct Connect? Or Express Web Connect?

My Direct Connect is still not working today, this day, Saturday, March 14th, 2026 at 11:30 AM MDT

hpsmoot

A strange thing about this website’s search engine: if you simply search “America First Credit Union,” this thread doesn’t appear. The only way to find it is to search “America First Credit Union - OL-295-A.”

I had reposted my comments as a new thread to bring this issue back to the top, but someone (likely trying to keep things organized) moved them back into this thread, which unfortunately buried them again. I’d really appreciate getting a bit more visibility on this issue.

For context, I’ve been using Quicken for over two decades, and honestly I don’t remember ever feeling this frustrated with it. Quicken and America First Credit Union—please work together to resolve the technical issues between your systems as soon as possible.

From my perspective, Quicken also seems to be pushing updates far too frequently, often without clear necessity. Updates every few weeks or every month start to feel excessive unless there’s a major improvement or fix. It might be better to focus on thoroughly stabilizing a solid version of the software before releasing updates so often.

Right now, it feels like the pace of updates isn’t adding much value—just more disruption. I’d much rather see a stable, well-tested release cycle than constant patches. Slower, more polished updates would be greatly appreciated.

Thanks for taking a look at this issue—I’m hoping it can get the attention it needs.

Terry520

Having a similar problem with AFCU. I have 4 different accounts, 3 of which connect and update fine via Direct Connect. The fourth account stopped connecting and updating. Contacted AFCU support, and they could not find a problem. Contacted Quicken support, and they could not find a problem. After many attempts to connect both Direct and Express Web, all resulted in failures. Opened a new Quicken file and attempted to add only the one account. It connected and downloaded all the individual checking, savings, and CDs, but with a zero balance. I attempted to do a transaction update, and it failed. Then, I attempted to add one of the other accounts at AFCU, and it added the account and all the individual savings and CDs with transactions and balances. I then went back to my original file, and one of the other accounts stopped updating and getting an error with no error code. Have sent in two trouble reports to Quicken support with no response to date. Doing manual updates, but we are talking about updating over 100 CDs with monthly deposits and then transfers of interest to checking or savings accounts. All other credit union accounts, bank accounts, and Fidelity are working fine. Does not make any sense.

[Edited Readbility]

Quicken Laura

Hello everyone,

Thank you for reporting the issue and for providing your log files. I have shared the information with our internal team so they can review it and investigate further.

We appreciate your patience while our team works on this case. I will post an update here as soon as more information becomes available.

In the meantime, please feel free to reach out if you have any additional questions.

[CBT-1075]

hpsmoot

Well, it has been another whole week, and nothing has changed. Quicken Laura, has there been any progress at all on this issue? Was it caused by a Quicken software update, or has something been broken at America First Credit Union? Are there any clues yet as to what is happening? Just requesting a quick update while we patiently wait for this issue to be resolved. This is the longest I have ever seen an issue persist. Hoping Quicken and America First Credit Union can get together on this and sort it out soon. :)

Sincerely, hpsmoot

[Edited Readability]

clufster

Original Poster here.

This problem continues to spontaneously go away, and then reoccur every few days, even as of today, March 21 (without any reactivation attempts).

This morning, the error occurred on my personal account, but not on my business account. I then tried re-updating 5 minutes later and the download was successful.

Please get this problem fixed - collaborate with AFCU to find a solution.

Terry520

Well, after doing all the suggestions available including attempting to connect Direct and Express Web, still getting connection error. Tried a new quicken file just in case my original file was corrupt. Still getting same connection problem in both connection options. How about getting this fixed.

Quicken Laura

Hi all,

Thank you for sharing your experiences with America First Credit Union. I’ve reviewed some of your accounts, and as you mentioned, there are instances of both successful connections and error messages.

As noted previously, this issue has been escalated. While there isn’t a new update at this time, our team is actively working on a resolution. I will share any updates as soon as they become available.

Thank you!

(CTP-16670)

clufster

Original Poster again.

Problem still is occurring intermittently. Patiently waiting for this to be resolved.

What's happened since you escalated this issue on March 22nd?

Quicken Laura

Hi @clufster,

Thank you so much for your continued patience. I truly understand how frustrating it can be not to have a resolution yet, and I appreciate you checking in. At this time, there are still no new updates, and our team is actively working on the case. We also don’t have an estimated timeframe for resolution just yet.

Please know that I’ll share any updates here as soon as they become available. In the meantime, don’t hesitate to reach out if you have any questions or need further assistance.

droidkfx

https://community.quicken.com/discussion/comment/20542966#Comment_20542966

Update from my previous post. Apperantly now the method I was using to work around this no longer works. The account connection method I was using now fails completely.

Quicken Laura

Hi @droidkfx,

I’m sorry to hear you’re now experiencing issues with Express Web Connect.

After reviewing your account, it appears you’re encountering an FDP-102 error. As a first step, I recommend waiting 24 hours and then trying the update again.

If the issue persists, please follow the steps outlined in the Quicken support article: “Error 102/FDP-102 While Adding or Updating an Account in Quicken for Mac.”

If you have any additional questions or need further assistance, feel free to let me know.

clufster

Original Poster again.

Things started working fine for all my AFCU accounts for a week or so, then today the problem recurred.

Any progress on this issue?

Quicken Laura

Hi everyone,

Thank you for staying engaged with this thread and for your continued patience. Our teams are still actively working on this issue and are currently awaiting further updates regarding the connection.

While we don’t yet have an estimated timeframe for resolution, we will be sure to post any new information here as soon as it becomes available.

Thank you again for your understanding.

sep1978

I too am having issues. I reconnected using a different connection method a couple weeks ago (went to direct connect), but it is a pain because it won't automatically update anymore since it requires active participation in 2 factor authentication to connect. Well that wasn't downloading transactions at all this morning, so I tried to reconnect the only setup and now it won't connect to my accounts at all even though it gets to the stage or requesting the 2fa.

Quicken Laura

Hi @sep1978,

Thank you for reaching out.

After reviewing your account, I can see that you’re encountering an FDP-106 error when your accounts attempt to connect via Express Web Connect. This is separate from the ongoing OL-295-A error.

To help resolve this, I recommend fully removing the connection to America First Credit Union and then reconnecting the accounts. Before proceeding, please be sure to create a backup of your file.

Step 1: Deactivate all affected accounts

Go to the Accounts menu and choose Hide and Show Accounts.
Uncheck any accounts with this specific financial institution (FI) that are hidden in Lists.
When complete, click on the account name for your account(s) in the Accounts toolbar in Quicken.
Click the Settings icon in the bottom right corner of the screen.
Select the Downloads tab.
Click on Disconnect Account.
Click Done. Do this on each account with this FI.
Quit Quicken.

Step 2: Reactivate and link the accounts

Reopen Quicken.
Go to Accounts > Add Account.
Type the name of the financial institution, make the appropriate selection, then click Continue.
Enter your login credentials and click Continue.
When Quicken has returned all accounts discovered for this FI, very carefully LINK each found account to the appropriate account you already have set up in Quicken.

Please let me know how it goes!

clufster

Original Poster again.

Once again, I deactivated all my AFCU accounts, and then when trying to reactivate them, I received yet another error:

Error Code: CC-502