Elan Financial Services - CC-502 (QWin) [Edited]

Good question. When I experience a Quicken performance issue of some sort initially I usually do only a very limited amount of troubleshooting because I know that many issues will self-resolve within 12-24 hrs and I know that less can go wrong if it self-resolves than when I try to fix it myself. I also usually will not post anything about issues I experience until after 24-48 hrs have passed because most issues will resolve within that time window without needing to raise red flags.

I generally follow this same practice when something "breaks" with the Cloud Account and have found that sometimes the issue self-resolves and other times it does not. I think much of that is determined by whether the cause of the issue is something on Quicken's or Intuit's servers or if it is something caused by my installation or data file or something external to all of these things like my Internet provider. At best, generally I can only speculate as to what the cause of the issue is but sometimes a Quicken Team communication will provide some great insight regarding it.

My guess (speculation) is that the current Internet connection/Cloud Account issue is a Quicken server issue because it is affecting other users, it is intermittent and the fix sometimes works, sometimes does not and sometimes recurs. The pattern and symptoms are very similar to what has been happening off and on since the day after Christmas and which the CEO eventually communicated was caused by issues with Quicken's servers. If it is the same kind of issue this time, then Sign In As A Different User is nothing more than a band-aid because until the server issue(s) is resolved the connection issue will occur again.

Deactivating/reactivating the Elan connection yesterday did not resolve the dropped cents in the Online Balance during OSU this morning.

But I found a solution that resolved the issue for me: In a test file I had previously set up this Fidelity Rewards CC with the new EWC+ connection method a couple of months ago. It has been working very well during OSU with reliable connections and accurate downloads….and the Online Balance includes the cents. So, in my main data file I changed my connection from EWC with Elan to EWC+ with Fidelity. The Online Balance is now correct and I was able to Reconcile to the Online Balance without issue.

Some comments/suggestions for those who wish to do the same:

1. Enter the Opening Balance transaction dollar amount into the Memo field of that transaction. (This is just a proactive step that can be helpful if/when setting up of the new connection changes the Opening Balance transaction dollar amount.)
2. Backup the data file.
3. Account Register > upper right Gear icon > Edit Account Details > Online Services tab > Deactivate > General tab > delete all Financial Institution Information (everything above the Contact Name field) > OK.
4. Add Account > type in and select Fidelity - Investments & Retirement Accounts > Next. The EWC+ authorization process will start…follow the prompts.
5. After logging into your online Fidelity.com account during this EWC+ Authorization process you should be presented with a list of all accounts that you can set up with this EWC+ connection. Select all of the accounts that you want to be connected via EWC+. DO NOT select any accounts you want to retain with the DC connection method (i.e., any investment accounts that you already have set up with DC). In my case, I selected only the Fidelity Rewards CC account because I have all my investment accounts already set up with DC and want to make sure they stay with DC.
6. Agree to the terms and conditions and you should be logged out of Fidelity and returned to Quicken. (If you are not automatically returned to Quicken, you can manually switch back to Quicken.)
7. Quicken will prompt you what to do with the downloaded data. Make sure you Link it to the account you already have set up in Quicken.

In my case, the Online Balance was not changed, there were no duplicate transactions downloaded, there were no missing transactions and the account register balance was correct. I was then able to Reconcile to the Online Balance without any issue.

If anyone else tries doing this, please post your results here so others might know.

This is a QWin thread so my prior post laid out a process specific for QWin users.

I am not real familiar with QMac but the process should be roughly similar for QMac users, just that some of the terminology and steps might be a bit different.

One thing you posted makes me think you might have misunderstood my post. There is no way to change an Elan connection from EWC to EWC+ (both of which are referred to as Quicken Connect in QMac…I know, confusing, huh?). You need to first disconnect your Elan account entirely…you might need to remove all Elan financial institution and account number reference from the account, as well. Then you need to add a new account connection with Fidelity (I think in QMac it is also listed as Fidelity - Investments & Retirement Accounts but I am not 100% sure of that). When you add the account and when prompted be sure to link the download to your existing Elan account in Quicken. If I have mispoken about the process/details for QMac, then perhaps another QMac user will step in with the correct process.

Thank you for confirming a posting the QMac process here. Hopefully other QMac users will find it to be of help.

When changing the connection for an account sometimes the Opening Balance transaction will get changed. That I why I'd suggested entering and saving the correct dollar amount of the Opening Balance transaction into the Memo field before proceeding with making the connection change. Glad to hear that you were able to figure out what happened. FYI: For future reference you could have simply entered the correct Opening Balance amount without needing to repeat the process.

I noticed this morning that 2 transactions that posted on 3/22 did not download from Fidelity, as well, although there was no error code/message received. But in test data file I got an error message that Fidelity's server was down so maybe that is the reason for this. Also, in that test file, the Elan connection did download those 2 transactions but the Online Balance still had no cents. I'll try running OSU, again, later in both files to see what happens. Since it is a weekend there is no telling when the Fidelity server will be up, again. Sometimes it's just a short maintenance downtime but other times it could be down for the entire weekend. Might need to wait until Monday to know what the scoop is. However, I've been downloading this card from Fidelity for about 2 months now in that test file and it's been very reliable up until now. It's just today that I am seeing this. I suspect/hope that it is simply a server maintenance thing and later this weekend or no later than Monday morning everything will be downloaded properly.

Update (3/24): I just ran OSU for this credit card on both Elan and Fidelity.

• The 2 transactions that did not download via Fidelity yesterday, did download today.
• Both the Fidelity and Elan accounts show the same register balance which matches what is shown in the online accounts..
• Fidelity's Online Balance is correct as of today.
• Elan's Online Balance is the same as Fidelity's but with the cents dropped. So it is still a problem.

Update (3/25): OSU results for both Elan and Fidelity.

• Fidelity still shows the correct Online Balance with cents included. There are no posted transactions that have not been downloaded.
• Elan still shows the correct Online Balance but with the cents dropped…so still an issue. There are no posted transactions that have not been downloaded.
• Fidelity and Elan show identical Account Register balances.

The Fidelity Rewards Credit Card financial institution setup link no longer exists and in December was replaced with Fidelity - Investments & Retirement Account. The Alert you referenced should have been closed and archived so people can't reference it any longer.

During Sep/Oct most people who used this Fidelity Rewards Credit Card setup link ended up changing their connection to Elan Financial Services which for most people worked pretty well until this month. The main issue with Elan in the past was that when first setting up the connection or resetting it the Online Balance that was shown in Quicken would have the cents dropped which prevented reconciling to the Online Balance. In most cases this issue would self resolve within a day or so when running OSU, again. This month something happened which reintroduced the cents dropped issue but this time it has not been self resolving.

As mentioned in my 1st paragraph, in December Fidelity introduced their new EWC+ connection option which is the Fidelity - Investments & Retirement Accounts in Add Account. In part it is the Fidelity fix for the old problematic and now removed Fidelity Rewards Credit Card link. You might want to try setting up your CC account with this new Add Account link to see if it resolves the issue for you. Except for a little download issue reported on Saturday (likely caused by a Fidelity or Quickne/Intuit server maintenance issue), it has been working well for the Fidelity CC the last couple of months. If you are not sure how to make this connection change, see my first 3/22 post above which has step-by-step instructions.

You are welcome. I'm glad to hear that it's working for you.

BTW, those XXX's in front of some numbers in the downloaded Memo field are transaction reference numbers. I still see them in my test file for this EWC+ Fidelity CC but no in my main file. You can prevent downloaded data from populating the Memo field by checking the box in the Online Services tab of Account Details for the account in question, like this: