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Missing PNC transactions

DIR

Since about February 2026, frequently when I download PNC transactions to my subscription quicken classic application, several transactions are missing.

I am using Webconnect +
I have turned off online services to the checking account and have reestablished connection and linked to my checking account.
At the suggestion of quicken support, I have opened up a new file and copied old accounts to the new file.
I have validated and see no errors.

In short, I'm stuck. Is anyone else seeing this? I have a ticket open with Quicken support and they are non-responsive. I am now working with PNC tech support and have not received a resolution. I'd be grateful for tips and suggestions.

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Comments

GeoffG

If this is a personal checking account, I would suggest upgrading your connection with PNC to Direct Connect. This provides the most reliable connection available. That said, PNC, I believe is the last remaining bank to provide DC. So they may eventually down grade to EWC+. To answer your question, with DC I do not experience any missing transactions.

Boatnmaniac

There are still quite a few banks that still offer DC. Besides PNC, I am using DC with Wells Fargo, Midland States Bank and Old National Bank. Each of these requires logins that are unique for DC and which cannot be used to log into the online accounts. Anyone who wishes to use DC with their bank (assuming they still support DC) needs to contact the bank and ask them what their Quicken DC setup requirements are.

Also, US Bank still supports DC but they charge a monthly fee to the user. There are many others, as well, but what you alluded to is that true that many FIs have migrated their support for DC over to EWC+ and the remaining ones are slowly heading in that direction, as well.

This article is a list of banks that still support DC Bank Bill Pay. This list is a little out of date but it is still fairly accurate. It should be noted that this list does not include banks that still support DC but do not support DC Bank Bill Pay so the list would be even longer if those would be added to it.

https://community.quicken.com/discussion/7940944/list-of-banks-with-direct-connect-bank-bill-pay

Boatnmaniac

@DIR - I do agree with @GeoffG that if your PNC accounts are checking and/or savings accounts, you might want to give serious consideration to upgrading your download connection from Express Web Connect+ (EWC+) to Direct Connect (DC). In general DC is more reliable and provides the opportunity to use their Bank Bill Pay service (free for consumer accounts…$2.50/month for commercial accounts).….and Quicken never charges for this at all. But you will need to contact PNC to have them mail you (via USPS) unique login information to use with DC.

More specific to your concern: Each bank downloads a specific date range for data and for both DC and EWC+ there is nothing we can do to change that. Data older than that date range cannot be downloaded via DC nor EWC+. Also, if the transactions dates are within the date range but had at one time been downloaded previously, whether those transactions are visible or not visible in the register, they generally cannot be downloaded again via DC nor EWC+.

However, PNC still supports manual downloading and importing transactions via the Web Connect (WC) connection method. Before proceeding be sure to back up your data file.

Then, go to your online PNC bank account and look for a link for downloading transactions. Once found:

Enter the date range for the missing transactions that you want downloaded.
Select the Quicken (or Web Connect or QFX…I don't remember how they reference it) download format.
Download that file and save it to your local drive.
Right click on the file that you saved and select Quicken to open it. Or, alternately you can Open Quicken > File > Import File > Web Connect (.QFX) File > maneuver to the location where you saved the file and select it > follow the prompts to import that file making sure to Link the imported data to your PNC account already in Quicken.
If Quicken does not allow you to Link the imported data into your PNC account: Cancel the import process and then go to Account Register > upper right Gear icon > Edit Account Details > Online Services tab > Deactivate. Then repeat step #4….you should be able to link it now.

Now review your account register balance.

If it is accurate and matches the online balance then it is likely everything is OK and the account can be reconciled.
If it is not accurate, you will need to scroll backward into the account register to the date range that you imported. Look for duplicate transactions and delete the duplicates. This should resolve the account register balance issue.

When done, you can revert your connection from WC back to EWC+ by doing Add Account and making sure to Link the downloaded data to the PNC account that is already in Quicken.

Did this resolve the issue for you.

DIR

Thanks for your comment. I'll consider some of your suggetions. I will note that my missing transactions aren't from the beginning of a date period. They are in the middle of the download and aren't all sequential. I appreciate your comments.

DIR

Thanks for posting. If I were to go "direct connect", what might I expect the first download to look like? Will I download duplicates, missing transactions or transactions since last download? Thanks again GeoffG.