Direct Connect (DC) & Express Web Connect (EWC)

Vol4Ever

We have checking & HELOC accounts at the same institution. Checking will connect via either DC or EWC but DC is much preferred. EWC causes loss of much used "Send Online Payment" which I've used for years with tons of saved payees.

The HELOC will allow connection only via EWC method. Quicken doesn't seem to like 2 accounts at the same financial institution with different connection methods, even when assigned to different accounts. Screenshot of conflict error message attached.

Quicken Error.jpg

From reading other threads, this has been a problem in the past that Quicken eventually resolved. Is that right? I've double checked with my bank's Quicken specialists, and they say certain of their account types only allow 1 connection method, while others allow both. I'm in a situation where I need to use both DC and EWC at the same time. Is it possible? Do I maybe need to notify Quicken that now my specific bank is having the problem? I think I saw one elsewhere where PNC was having same problem.

Thanks in advance!

NotACPA

If you name the bank, we might be able to figure out a way to deal with this. But that name is absolutely necessary to research this.

[EDIT] extending prior comment. Many banks operate under more than one name in Q. Frequently, the "name" indicates that it supports DC, while a 2nd "name" supports EWC. But without knowing which bank, we can't research this. [/EDIT]

And you're correct that Q doesn't like differing connection methods for the same FI, as shown in your JPG.

BTW, I'm a Dore

Chris_QPW

Did you actually try the suggestion the dialog message pointed you to?

And as @NotACPA said, by hiding the financial name you cut down what people might be able to do troubleshoot a problem like this and letting the world know you used given financial institution has almost no risk.

https://www.quicken.com/support/message-ewc-dc-ol-238-mismatch/

Vol4Ever

First Horizon Bank - TN

And yes I went through the steps in the link. Both accounts did show Automatic Entry as Off, but actual setting behind the link was the top button which basically meant to use the system default. I went ahead and toggled both to bottom hardcoded Off, but nothing changed.

Tried 3 different approaches to add accounts back:

1 - Simply selected the financial institution and continued thru user/pwd. Only the checking account shows up.

2 - Selected financial institution, but clicked advanced/manual. Chose Direct Connect method. Again, only the checking account showed up.

3 - Same as #2, but used Express Web Connect. Now both accounts do show up, but it adds checking via EWC which causes loss of needed functionality provided by DC method.

When I finally complete the right button sequence to get them added with different account types, it works . . . . with the error in OP popping every time I go to One Step Update. I agree it appears to be warning level and updates do successfully process, but it's a nuisance to have that additional popup every single time. Most warning screens have some sort of "Do not show again" acknowledgement toggle which would be fine, but OK is the only button on this one.

I wish I knew why bank didn't allow DC method on the HELOC as that would solve it too, but evidently they don't. Account doesn't even show up to link going that route.

Hopefully this additional detail helps & someone can point out something I may be doing wrong myself, but I've tried every iteration I can think of. Thx!

Chris_QPW

HELOC accounts can't use Direct Connect, that is why the financial institution didn't choose to use it.

I don't think you are doing anything wrong. This mixing of connection types has always been a problem. I'm actually a bit surprised that it can work in some situations.

Vol4Ever

https://community.quicken.com/discussion/comment/20552830#Comment_20552830

I should've known it was too good to last. Both WERE working for a short time, just having to click "OK" on the warning popup first, but during today's download it all went south again. One Step Update status screen froze for a really long time, and by the time it all flushed thru, the EWC HELOC was completely disconnected from online services even though all the other connected accounts successfully processed.

Back to square one where it won't show up at all unless I change both accounts over to EWC which isn't an acceptable workaround. Seems odd Quicken can't figure this out?? If HELOC's simply won't allow DC, surely there are a gazillion people that need to use both methods simultaneously. Or else most have always used EWC and don't even realize they are missing some functionality, if they even use Quicken to initiate checking account payment commands anyway. I love being able to select my memorized payee using "send payment" in the dropdown & it handles the rest automatically when sync'ing. Works like a charm and I've grown too used to it to simply walk away.

Chris_QPW

I don't think it really comes up that much because normally when a financial institution decides on the connection methods even if they support more than one you can use both for all of them.

And yours is even rarer because it seems from what you have said you could go with Express Web Connect for all of them but want the services that only Direct Connect can provide. These days there are very few financial institutions that support bill pay/transfer through Direct Connect.

And to make it even rarer the account in question is a loan account. The implementation of the loan accounts is an oddball kind of setup, that is why it was never implement in Direct Connect.

At any rate I think you will have to decide what is more important to you, the ability to send the payments, or the ability to automatically download the HELOC account.

NotACPA

@Vol4Ever I looked thru FIDIR.TXT, which is the Q file that shows all of the FIs that support Q, and the download method for each.

Unlike, for example, U.S. Bank which uses slightly different FI names for download via DC, vs EWC, unfortunately First Horizon, while it does have multiple names in Q, the one you're using appears to be the only one for retail customers such as your self.

So, as @Chris_QPW pointed out you've got to decide what's more important to you.

ALTHOUGH, there is another option. "Vote with your feet" and change banks to one that meets your needs.

Vol4Ever

Thanks guys. I think y'all successfully found the proverbial ghost in the machine. It's not a big enough issue to change banks as there are almost no monthly HELOC transactions anyway. I've been with this bank for 20+ years. My contacts always knew I was a "tech weenie", and I was actually one of the very first customers to have online banking as a Beta tester many years ago when concept first launched. Long, long before the days of Quicken software sync capability, although I helped with the testing of it when it was in its infancy too.

You are correct my EWC/DC scenario must be extremely rare as their tech support team had never even encountered it before. However, I've kept a dialogue going with them, and pointed them to this thread as it has great information, not to mention accurate as opposed to hypothesis.

It's not the answer I wanted, especially since there's no realistic workaround, but MUCH appreciated figuring it out. I do have one more Quicken issue, but it's completely unrelated to online banking. My personal company isn't big enough to need the horsepower of full Quickbooks (yet!!) so I do everything through Quicken Home & Business. Do you know which board would be proper location to post a question that has to do with invoicing?

Thanks again.

NotACPA

@Vol4Ever If your question is about Invoicing in Q. go ahead and post it here, in a new thread.

If it's about the capabilities of Invoicing in QB, see if this helps

https://quickbooks.intuit.com/learn-support/en-us/