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Moving Roth IRA Transactions Not Possible

daleph55

I use Quicken for Mac. Recently the NC SECU updated their system and there have been various issues with connections, authentication, etc. Things seem to be sort of settled down but in the process, I was not able to reconnect to my existing Roth IRA account. Quicken did create a new Roth IRA account but the four years worth of transactions are not there. I understand that there is a way to move transactions, but the Quicken menu for the Roth IRA to do that is completely grayed out and there are no icons at the bottom to allow it either. Any suggestions on how to move them? I'd even be willing to manually enter the transactions but that doesn't appear possible. Thank you.

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jacobs

To make sure I'm understanding correctly, are you saying you currently have two accounts in your Quicken for your one real-world Roth IRA account: your original Roth IRA account and a new one that got created when you created your new connection to the financial institution?

If so, you should be able to go to the old account, select all transactions, and drag and drop them onto the new account in the left sidebar. (Alternatively, select all the transactions and pull down the Transactions menu to Move Transactions.) This should put all your history in new account, and the old account should be empty, and can be deleted. Of course, this may mess up your balances and holdings amounts temporarily, because Quicken created placeholder transactions to account for your prior holdings and balance. You will probably want to delete those placeholder transactions, then do a transaction download/update, and assess whether Quicken now has the correct cash balance and share balance for all your holdings in the account. (Because this could get messy, make sure you make a backup immediately before you start making these changes, so you can revert if things get messed up!)

(For the future, if you ever need to reconnect an existing account, never allow Quicken to create a new account during the connection process; look for the step where you can select to link the download connection you are initiating to an existing Quicken account rather than creating a new one.)

daleph55

Thank you so much for responding to my question and providing a possible solution.

You are correct that I now have two Roth IRA accounts - the original one that I brought into Quicken a few years ago and a new one that was created recently after the SECU update. While I did try to link the original account when I reconnected, linking to the original account was never an option. I tried multiple times to disconnect, reconnect and link to the original account.

Unfortunately, your suggestion to select the transactions from the original account and drag and drop to the new account did not work. I saw a little number (of transactions) with a circle with a line through it, indicating that it was not allowed.

I haven't been able to MOVE a transaction to the new account. It appears that I should be able to select a transaction from the original account, open the Transaction menu and select Move Transaction. It then displays a window of accounts to move the transaction to. Unfortunately, the new account is not in the list of accounts displayed.

On the new account, the entire transaction menu is grayed out, except "Set Status To" and the Transactions tab is grayed out as well so I'm not able to even manually add the 53 transactions.

One thing that I noticed is different after the SECU update is that the Roth IRA account had been listed as a Savings account and now it's listed as Investment/Retirement. That is not something I selected. Perhaps that's part of the issue?

Thanks again for your help.

John_in_NC

Please go into the Settings (lower right) for the newly created ROTH and see how SECU is downloading transactions. Is it Simple or Detailed? (In simple view, you can't enter transactions.)

(I know SECU has had some issues since their platform migration, and I am just starting to hear reports of it working again, so I want to find out what level of support they now offer Quicken users. It does appear they (have possibly) dropped Direct Connect, which isn't surprising.) Some people posted Web Connect, but I suspect it is now Quicken Connect.

Screenshot 2026-06-22 at 10.31.09 PM.png

jacobs

(EDIT: I got interrupted as I was replying, and John posted first — but we're on the same page about what's going wrong.) Ah, I was typing a few things you could try, but I finally caught on to something you wrote that I think reveals the problem: your new account is set up for simple investment tracking. That means that Quicken only tracks the balance, but not individual transactions. Go to Account Settings for the new account, and check the setting for Investment Tracking Method. I believe is is set to Simple, and you need to have it set to Detailed.

If it won't let you select Detailed, then the issue is with your connection method to the financial institution. It may be possible to disconnect and reconnect with a different connection method, but it may also be that your credit union doesn't provide online connectivity for downloading transactions. In that case, you may be able to download transactions from your credit union to your desktop and import them into Quicken… but I'm getting ahead of myself. Let's first confirm the initial source of the problem: is your account set for simple investment tracking?

(I'm also curious about how your account was originally set as a savings account for a Roth IRA. Do you have any securities in your IRA, or is it all cash, money market funds, or CDs?)

daleph55

Thank you both for your responses. Let me try to respond to all of your suggestions and questions.

I went to Settings and found that the Tracking was set to Simple. When I tried to change it to Detailed, I got an error message. I’ve attached a screenshot of that error – SECU_Tracking_0623 I did not change the setting.
While I was on that screen, I noticed that the new Roth had a 401k as its type. I don't recall specifying it as 401k when it was first created. When I went to change the type to Roth IRA, I got a message (error?) I cancelled out of that but perhaps I can go ahead and change it to Roth IRA without any issues. I've include a screenshot of that message - SECU_Roth_Type_0623
As far as how the original Roth was set up as a savings account, I really don't recall doing anything to make it a savings account. I think it was just the way SECU and Quicken decided. The account is just cash.
As far as the connection type, I had been using the Direct Connect but was unable to connect with that since the SECU upgrade - I'd get an error 16503. I think the connection is now Quicken Connect but I can't remember for sure. (I SHOULD remember because I have tried multiple times to connect!) I am not familiar with the pros and cons of the different connections but was under the impression that Direct Connect was better.
In the last couple of weeks, I have sent a handful of messages to SECU about the issues I've had. They haven't really provided any answers. For the specific program I've been having with the new Roth transactions, they told me to contact Quicken. I've banked with SECU for nearly 40 years, and while I wish this upgrade had been smoother for everyone, I know that upgrades can be challenging and feel certain they are working their hardest to make things right.

daleph55

Here are the screenshots. I couldn't figure out how to attach or insert them without my text disappearing!

John_in_NC

Hi, again @daleph55

The million $ question that nobody at SECU appears willing to answer is if the plug has permanently been pulled on Direct Connect Support. It wouldn't surprise me as many banks are dropping it because of the costs associated with providing it. That leaves users in limbo as they don't know if they should keep reporting the 16503 error via Window:Report a Problem.

You are likely now connected via Quicken Connect. (You can click on the "Downloads" tab to confirm).

But, that error message telling you that if you want detailed transaction view, you will have have to manually enter transactions. Is this another cost cutting move by SECU? I don't know.

The account type (Roth or 401k in your case) is a popup presented during account discovery. There you can change account type/what account to link to, etc. I think this is the least of your issues for now.

I'm sorry I don't have an answer for you. While I don't bank with this CU, I am curious to see what the folks would have to say if I stopped in the local branch up the road. (I was surprised at how many people came to this forum about it for a local CU.) I suspect I wouldn't get much of an answer. :-(

As for now, you might wish to keep that old Savings account around representing the old Roth account. If they are all cash transactions, then it will be easy to maintain until you get a better answer. And I suspect you don't have as much. account activity compared to other account types.

Good luck!

jacobs

Does the CU offer the ability to download transactions in "Quicken" or "QFX" format? If so, you could download the transactions, then import them into Quicken. But I suspect they probably aren't.

As @John_in_NC saidf, if you simply have cash in the Roth account, then entering transactions manually is probably not a problem — just a monthly interest/dividend payment, right? If you at some point choose to invest in mutual funds or ETFs, then manual data entry becomes a little more complicated — but I'll say I have done it for many years with multiple accounts, and it's not terribly onerous.

Or, if you plan to stick with your Roth account holding only cash, you might be okay with simple tracking since there aren't lots of purchases, dividend reinvestments, capital gains, etc. going on such that you'd want to see the individual transactions.