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Issue: Fidelity account with linked cash account not downloading?

Jon_since_1991

Quicken Deluxe Windows 11 R68.31 build 27.1.68.31

I am having an issue downloading transactions with 1 of my 8 Fidelity accounts, which started in late July. Transactions for this account are not downloading. It's my only investment account set up with a linked cash account. The other 7 accounts are downloading just fine.

The Account List under Transaction Download shows ‘No (Activate downloads)’.When I look at the Account details, the account number is blank. I can add in the account number, click OK, then go back in and it’s blank again.

I have done the following numerous times, both from the Account Details Online Services tab ‘Set Up now’ button and the Account List ‘Activate downloads’ link:

Both take me to the ‘Set Up now’ screen, which takes me to log in to Fidelity and I accept their data agreement,
The next Fidelity screen shows all of my accounts with the correct account numbers (all already checked)
Then I’m returned to Quicken and a screen that shows all my Fidelity accounts; however, for the account at issue, it shows the linked account name rather than the actual account name, shows it as an investment account, and that it is already added to Quicken.
Then I’m back where I started; the account at issue is not activated.

Is this a known issue?

Does anyone have a similar issue?

Does anyone have a solution?

Thanks!

[Edited - Readability]

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Accounts

One Step Update

Comments

Quicken Carlos

Hi @Jon_since_1991,

Thank you for sharing the details of the issue you are experiencing.

After reviewing my internal tools, I found that all the accounts with Fidelity are showing Status: OK.

To better understand why this is happening, let me ask you a few questions:

Do you have duplicate accounts in the Account List? To check, go to Tools > Account List. If it shows up at the bottom, click Show hidden accounts.

Is your file being backed up/synced by any third-party services like Carbonite, OneDrive, or Backblaze?
Are you using a VPN, firewall, or antivirus software? If so, please let me know which one(s).
Do you have any pending Windows updates, or did you install a Windows update around the time the issue began?
Where is your Quicken data file located? To check, please open Quicken and go to File. At the bottom of the menu, above the Exit button, the file with the check mark next to it is the one currently open. Please let me know the full file path shown there.

I look forward to your reply!

Jon_since_1991

Hi Quicken Carlos…

Thanks for the reply! First, I want to update my issue status - I finally found the following user that had a similar issue as me, with a solution:

https://community.quicken.com/discussion/7967760/quicken-fidelity-link-wants-to-link-existing-brokerage-accounts-as-checking-through-online-set-up

I worked on this Sun evening - I followed the Dennis Nelson solution at the end of the post (short cutting some steps), running into the same (nearly impossible for me) problem of having to reconcile 30~35 years of transactions involving numerous open, active, & closed accounts (I'd probably be at it for days).

So I decided to try a different tact - to close the problem investment account at the end of 2025 and create and link a new acct starting in 2026. To do this, I unlinked all of my Fidelity accounts and went through the add & link account process. Somewhere in doing this, I noticed the original account (which I had renamed) magically(?) was shown as correctly as an investment/brokerage account - I do not know at what stage this occurred, but I relinked the original account, and it is now working as it should. The one step update worked last night as it is supposed to!

However, one issue that started this morning when I performed the one step update - it now takes me into the 'add account' window, which I can simply close (X) with no detrimental effect. I went though it once to see if that would stop the add account from popping up, but it did not (all accounts were properly listed & linked). Any thoughts on this?

Regarding your questions (note I've used the same setup for many years):

Duplicate accts: no
Backup: just use Quicken bkup
VPN, etc: no, just use Windows antivirus; although, come to think of it, I did use run a Malwarebytes scan sometime last week (but not normally running)
Windows updates: I think I am up to date, last updated 7/14
Quicken data file: located in an encrypted container file (mapped virtual drive T) on the C drive:

So it seems to be back to normal, with the exception of the add account popup.

Again, thanks!

Jon

Quicken Carlos

Hi @Jon_since_1991,

Thanks for your reply and for sharing what worked for you!

After reviewing my internal tools, I can see that your accounts are connected and showing a Status: OK.

Based on the screenshot you provided showing the file location, it appears that your Quicken data file is currently stored on an external drive. I recommend moving the data file from the T: drive to your local C: drive. Storing the Quicken data file on a network or external drive can sometimes cause connection or performance issues.

Move your Quicken data file to the C: drive

Close Quicken completely before moving the file. Quicken should not be running during this process.
Open File Explorer and locate your Quicken data file. The file will end in .QDF and will usually have your name or "Quicken" in the filename.
Right-click the data file and select Cut.
Navigate to:
This PC → Local Disk (C:) → Users → [your name] → Documents → Quicken

Right-click an empty space in the Quicken folder and select Paste.
Double-click the data file you just moved to open it in Quicken.

Once the file has been moved, try running One Step Update again. If the Add Account window continues to appear after moving the file, I recommend validating the data file:

From the menu bar, select File → Validate and Repair File...
In the Validate and Repair window, confirm that the correct data file is selected.
Select Validate file.
Leave all other options unchecked. Do not select Rebuild investing lots or Copy file.
Click OK to begin the validation.

Once the process is complete, Quicken will open a log file named DATA_LOG.TXT.

Review the log for messages such as:

Damaged category list
Invalid transaction detected
Deleted damaged payee or account reference
Rebuilt investment lots for [security]
Orphaned transaction removed

If you see any of these messages, please let me know what the DATA_LOG.TXT report shows.

I look forward to hearing back from you!