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Discover keeps asking to reauthorize

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This discussion was created from comments split from:

Why do I have to verify the Cash Balance? [Edited]

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fanfare

I've given up on trying to fix this and will live with it.

I currently have two connections to Schwab, one for the Rollover account and another account,
and another connection with the remaining accounts.
—
Meanwhile here's my new problem.

Discover keeps asking for reauthorize. I update on Mondays, and this has gone on for at least four weeks.
This is pretty annoying.

Screenshot 2026-04-20 Discover Connection.png

Quicken Kristina

Hello @fanfare,

Thank you for your response. Since you're asking for help with a different issue, I split this off into a new discussion.

Since this issue has been persisting for at least 4 weeks, per our article on CC-901 errors, please backup your Quicken file and follow these steps to troubleshoot:

Deactivate all accounts with Discover

1. Select the Tools menu and select Account List....

2. In the Account List, select the account you want to deactivate, and then click Edit.

3. In the Account Details window, click the Online Services tab.

4. Click Deactivate next to the service you want to disable.

5. Click Yes to the confirmation message.

Important: If you are deactivating/reactivating an account to fix an issue, you'll need to deactivate all the accounts with the affected financial institution that you have activated in Quicken (including hidden ones). Once they're all deactivated, then you can follow the steps to reactivate.

To Reactivate Account(s)

Go to Tools > Add Account.
Select the bank for the deactivated account(s). If prompted, select the connection method.
Enter your credentials and click Connect.
When the list of located accounts appears, choose LINK next to each account you want to reactivate.
Click Next then Done on the last prompt.

Please let me know how it goes!

fanfare

I don't do it the way you show above.

I do it by clicking Reauthorize in the update summary window (see snapshot).

This is successful and imports the latest transactions.

Is this method known to fail, that is, require Reauthorization again the next time you do Online Update for Discover?

fanfare

Quicken Kristina—

"This is successful and imports the latest transactions."

I thought this is a true statement.
Now you've got me wondering.

I will try again next Monday.

By the way, in this situation, there is only one account with Discover.

Quicken Kristina

Thank you for your reply,

Usually, clicking the Reauthorize button does work. However, since you have followed that process and continue to see the reauthorization prompt, I recommend following the steps I posted above.

One common cause of repeated reauthorization prompts is when the account is added as new rather than linked to the existing one. Even if there should be only one account, I recommend checking to make sure there aren't other Discover accounts in your file.

Please let me know what happens when you try on Monday!

fanfare

I'm not sure why I have to deactivate five investment accounts from Schwab to reauthorize one account.

If I could reconnect without downloading hundreds of transactions that can't be matched but have to be deleted manually one by one, I'd do it that way.

—-
PS this whole problem is based on Quicken insisting I Verify my account balance in just one of my Schwab accounts. That's still happening.

Quicken Kristina

Thank you for your reply,

I'm not sure why I have to deactivate five investment accounts from Schwab to reauthorize one account.

This discussion is troubleshooting the Discover issue. If you would like to revisit the Schwab issue, please start a new discussion for that issue.

In general, we recommend deactivating all accounts with a financial institution when troubleshooting an issue because that is the guidance in our article on deactivating and reactivating accounts:

Thank you!

PatTu

I've been having the same annoying issue with Discover, have to go through the reactivation problem 2x just to get the current transactions - and years of history also, which THANKFULLY, is not overriding years of reconciled accounts.

Annoyance #1 is reactivation twice every time I want to update

Annoyance #2 is "Adjusting Transactions" inserted in reconciled history "Adjustment to offset newly-downloaded items before this date." How could there be an adjustment if the account was reconciled (what did Quicken do with my history)?

IF I were to follow the steps outlined by Quicken Kristina, would anything happen to the years of reconciled history? I don't want to risk that blowing up because I use the info therein for tax preparation and support.

Quicken Kristina

Hello @PatTu,

Thank you for reaching out! Deactivating and reactivating accounts should not affect anything that's already in your account registers. Please make sure to backup your file prior to troubleshooting.

Thank you!

fanfare

@PatTu

Hint: Before starting the update, check your Account List. Discover to confirm you are still at "Yes" for transaction download.

If Yes, you should not have to connect 2x.

[Edited - Readability]

GlennD

FWIW, I also have the same issue with Discover over the past several weeks. It keeps asking me to reauthorize during OSU.

Quicken Kristina

Hello @GlennD,

Thank you for letting us know you're seeing frequent reauthorization prompts for Discover. To help troubleshoot, please provide more information:

How often does this happen?
Do you have Discover accounts connected in multiple Quicken files?
Is there any action that seems to cause the prompt (such as restoring a backup, switching between files, running One Step Update, etc.)?

I look forward to your response!

jocey_g

This has been happening for Discover for me for weeks as well, and now today it happened to SEVERAL other accounts. This is so annoying. It FORCES you to "reactivate" which in fact DEactivates, so then you have to reactivate again.

Quicken Alyssa

@jocey_g,

Thank you for adding to this discussion.

Please try the following:

Create a backup of your Quicken file first.
Deactivate all Discover accounts in Quicken.
1. Select the Tools menu and select Account List....
2. In the Account List, select the account you want to deactivate, and then click Edit.
3. In the Account Details window, click the Online Services tab.
4. Click Deactivate next to the service you want to disable.
5. Click Yes to the message confirming if you want to disable this service. Note: If you do not receive this message, additional information is available below.
6. Click OK to the confirmation message.
7. If you have an investment account that is linked to a cash account, you need to deactivate the online services from the investment account, which will automatically deactivate the linked cash account.
8. Important: If you are deactivating/reactivating an account to fix an issue, you'll need to deactivate all the accounts with the affected financial institution that you have activated in Quicken (including hidden ones). Once they're all deactivated, then you can follow the steps to reactivate.
Revoke Quicken’s third-party access from the Discover website.
Reactivate the accounts in Quicken.
1. Go to Tools > Add Account.
2. Select the bank for the deactivated account(s). If prompted, select the connection method.
3. Enter your credentials and click Connect.
4. When the list of located accounts appears, choose LINK next to each account you want to reactivate.
5. Click Next, then Done on the last prompt.

Let us know how it goes!

PatTu

I'm afraid to try reactivating because Discover is now giving a HTTP Status 400 - Bad Request. Message comes after launching to Discover to authorize, logging in, checking the "I have read and agree to the terms and conditions above" on the "Discover Authorization Agreement", and "Connect Now" at Select the account you'd like to connect.

Any ideas about how to resolve this new issue? How can I update my data?

PatTu

Should have gone with my gut - followed all the steps Quicken Alyssa laid out (including revoking access on DC website), result is "Bad Request". Not going to waste any more time on this today; I hope Quicken and Discover get their **** together and resolve this issue by the weekend.

Quicken Alyssa

@PatTu,

Thank you for following up. I am sorry the steps did not resolve this issue for you.

The HTTP Status 400 - Bad Request error can usually be resolved by clearing your browser's cache and cookies. I would try that, then try connecting your accounts again.

Let us know how it goes!