Incomplete transaction download from US Bank.
Using "One Step Update" for a US Bank credit card account. Quicken is randomly missing transactions. For example there might be 25 transactions posted on the same day. Quicken will only show 21 or 22 of them. If I go directly to the bank's website and download the qfx file directly Quicken correctly recognizes the missing transactions.
Does Quicken keep a copy of the data downloaded via One Step Update? I'd like to try and see if the transactions are there and just being ignored or if they were not downloaded at all.
This has gotten REALLY annoying. I just recently had to go back and locate 3 transactions that were lost within the last two months (because I did not have receipts and Quicken never downloaded them so I never knew they existed other than the balance was wrong).
Does Quicken keep a copy of the data downloaded via One Step Update? I'd like to try and see if the transactions are there and just being ignored or if they were not downloaded at all.
This has gotten REALLY annoying. I just recently had to go back and locate 3 transactions that were lost within the last two months (because I did not have receipts and Quicken never downloaded them so I never knew they existed other than the balance was wrong).
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Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.
Since this is a log that can span multiple sessions start from the bottom.
Also see this thread:
http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download
And this one:
http://getsatisfaction.com/quicken/topics/incompetent_software
There is a standard called the OFX protocol, which Intuit calls "Direct Connect", but only about 1400 financial institutions support it. So how is Intuit supporting 15,000+ financial institutions? They call it Express Web Connect, but you can call it "any way we can".
Possible ways that Express Web Connect might get your data.
1) The financial institution provides a "back door" to their website as in some known place for Intuit's servers to go and how to download, basically a custom protocol for that one financial institution (which may or may not be used at other places when they agree to a "back door").
2) They try to log in just like you would to the website (going through the same security question and whatnot) and get the QFX file and download it.
3) If the QFX file is not available they might try to read the actual web pages and they try to create a QFX file based on what they find.
So the point is that the financial institution may provide little or no support in this, the burden is on Intuit (and people think downloading costs Intuit nothing and they should get it free instead having to pay again every three years).
Also note that it is Intuit's servers, and the people that support them, provide the magic (how to get the data), not Quicken itself, for Express Web Connect, so your user name, password, security questions, ... are stored on Intuit servers. With Direct Connect Quicken does talk directly to a OFX server at the financial institution, and that is the reason it is much more reliable. It doesn't change whereas websites change all the time.
That was actually a rhetorical question. The answer is: they don't care. Have you noticed their internet banking site has not changed in years? Clearly it doesn't matter much to them and it s not likely to change anytime soon.
Having a "local" bank certainly is a costly thing. I personally have no "local" bank.