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M&T Bank Connectivity Issues

Mike Judd

Has anybody had issues with M&T Bank? It has stopped communicating with Quicken Classic, but I'm not having issues on the Simplifi side. When I reconnect it , it just spins and spins.

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Quicken Carlos

Hi @Mike Judd,

Thanks for letting us know what you're experiencing with M&T Bank. To better understand what's happening and determine the most appropriate troubleshooting steps, I'd like to ask you a few questions:

When did this issue first start?
Do you receive any error code or error message?
After Quicken spins for several minutes, does it eventually respond, or does it remain unresponsive?
Did you restore a backup of your Quicken data file shortly before this issue began?
Does this happen only with M&T Bank, or are you experiencing similar issues with other financial institutions?
Where is your Quicken data file located? To check, open Quicken and go to File. At the bottom of the menu, just above the Exit option, you'll see a checkmark next to the currently open file. Please share the full file path shown there.

I look forward to your reply!

Mike Judd

It started either on 10/10/ or 10/11.
When I try to reactivate, it tells me Quicken can't communicate with M&T.
It keeps spinning with no response.
I have back ups.
This only seems to be happening with M&T. Also, I have a subscription for Simplifi and that communicates with M&T just fine.

Quicken Carlos

Hi @Mike Judd,

Thanks for getting back to us and answering the questions above.

I reviewed the account information, and the accounts are showing an OK status. Based on what you've described, I suspect the issue may be related to your Quicken data file.

If you haven't already done so, I suggest validating your data file to check for potential file-related issues. Before proceeding, please create a backup of your Quicken data file.

To validate your data file:

From the menu bar, select File > Validate and Repair File...
In the Validate and Repair window, confirm that the correct file is selected.
Check the Validate file option.
Leave all other boxes unchecked. Do not select Rebuild investing lots or Copy file.
Click OK to begin the validation.
Once the process is complete, Quicken will generate a log file named DATA_LOG.TXT.

Please review the log for any messages indicating potential issues, such as:

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

After completing the validation, please let me know whether Quicken reports any errors and whether the issue with M&T Bank persists.

I look forward to your reply!

Mike Judd

The validation was completed, but it still won't communicate. The text file is very long and looks like it only has items from when I had issues back in 2023.

Mike Judd

Slight correction. I was able to find the new validation report. It fixed a few items in non-M&T accounts. There were over 230 issues in my M&T checking account from 10 to 15 years ago where the reference account was closed: like car loans, student loans, etc... Quicken replaced it with [Unspecified Account] in the category field and advised me to correct it. I just converted them all to a category of "Place Holder." I'm still not communicating with M&T.

Quicken Carlos

Hi @Mike Judd,

Thanks for taking the time to follow the steps above and for sharing the findings from the validation log. Based on the results, I suggest restoring a backup dated October 9, 2026, to see if the issue persists in an earlier version of your data file.

To restore a backup:

Go to File > View/Restore Backups....
Check the Local Backup and Online Backup tabs to locate a backup dated October 9, 2026. Quicken backup files have the .QDF-Backup extension.
Select the backup file and click Restore Backup.
Quicken will give you the option to overwrite the currently open file or create a copy of the backup.
- I recommend selecting Create a copy to preserve your current data file.
- Choose a location, enter a unique file name, and click Save. Then click Yes to open the restored file.

Once the restored file is open, try updating your M&T Bank accounts and let me know whether the issue persists.

I look forward to your results!

Mike Judd

I think I've finally figured it out. M&T has retired its legacy First Checking offering and has replaced it with "MyChoice Checking." It looks like they won't be "shaking hands" with old school Bank ID numbers that Quicken uses, instead, it will communicate with modern cloud-based computing. This is why it's working with Simplifi and not Quicken Classic. I am able to export an old-school QIF file from the M&T portal and keep my Quicken register updated. It's a bit clunky and annoying, but this is probably the way it's going to be unless enough people complain. Thanks for the help and I think we can close this one out.