Anyone else seeing OL-295-A with TD Bank?

@digtalmediaphile: Direct Connect does NOT use any intermediary service. It connects directly to each FI's OFX server.

Well, you may be correct in that, actually, though apparently Quicken Simplifi may, or smaller outfits like credit bureaus may involve it to gain Quicken connections.

It's interesting if the other software you mention might be *dance, which apparently does use Plaid nowadays. If so, maybe Plaid is actually an advantage.

I suspect the other factors I mention are contributors to Quicken not living up to what should be expected from it, and would underline that 'potholes' as @whiz1 quotes their administration as mentioning clearly do exist, and in fact have been particularly a rough ride in most recent months….

In any case, nice holiday greetings to all….

Much appreciate the extra escalation. It’s too bad it took this type of escalation to get some action going.

Want to also mention the ongoing PayPal Credit connection issue as well? It used to work and stopped a few months ago. You can’t even setup a connection to PayPal Credit even though the bank is listed when re-adding the account.

Well…I tried. I sent in reports multiple times while setup for Direct Connect. Then I switched to Express Web Connect. I tried to switch back to Direct Connect today, but couldn't make it happen. Not sure where it went wrong…

@digitalmediaphile , it's clear you've been most helpful here — and thanks for putting a date/time point on this official message you've received.

• so — the bank actually prefers extended web connect, and has set customers to it, unless they use Direct Connect's features…
• as we've noticed, extended web connect began actually working, perhaps two weeks ago, or so, after long delay
• it looks like instead of Plaid, actually there is still a contracted third party in the Direct Connect case: And from what you report that third party is Intuit
• If I could test Direct Connect, I would — hopefully everyone who can will attempt again now, sending their logs from the Quicken menu in the way requested — it's a very easy process.
• the reason to do so is to clarify what each of the three parties has as evidence, so they can agree where the problem is…and fix it!!

Patience will still be required, it would appear to anyone who's worked on such coordination problems, much less the technical, where there are still some important items of information missing. The testing should turn up any that remain important.

Appreciation again, for using your sight and persistence, @digitalmediaphile. I hope you remain a friend of such as this all works out :)

@Boatnmaniac , I think you're right in what you say, after doing some further looking.

Plaid has kept coming into discussions for two reasons:

• Quicken says they don't use it, but they also said they were trying it out, in discussions on Simplifi, which uses Intuit as Classic does.
• Some banks, notably Bank of America, did apparently have a way to use Plaid with Quicken. It's no longer so.

Yes, banks have long not been entirely happy to have Quicken present; in recent years they've improved markedly in the support persons you can reach 24/7 internationally when problems arise. They are sharp, knowledgeable, and both eager and able to help, have also the tools.

I believe the banks provide this because they know their customers want use Quicken to keep their accounts reconciled. In a similar way, they've gone along with Intuit's development of improved protocols, which I'd forgotten about in the autumn breakdown's extremely long time to fix — on big banks. But I believe that was actually about servers broken by CrowdStrike, which no-one moved on to get running again…until they did.

The negotiations over all the difficulties, technical and business-political, is I feel the largest thing we pay Quicken to do. And yes, it's complicated. The EWCplus protocols ought to result in stable operation, once they are implemented properly, and equipment is maintained. Direct Connect will tend to be less stable, given its connection into the complex and often antiquated systems banks use for that, so it's a harder ask each time something breaks — as we discuss on this instance here.

Banks do know how to do frictionless and entirely reliable protocols - the interbank transfers system, ACH etc. is so. But for the outsider, they're still being convinced, apparently, even with Direct Connect in its current good state.

Too bad there isn't a neutral party scorecard on how well banks handle the different kinds of remote transactions that persons need. Intuit can't do it on the basis of the politics, one would feel. But perhaps there's a way something like that could be sponsored, or perhaps someone has a better idea, as apparently Quicken/Intuit has created what they could to be holding good cards to offer, now.

I'd think the banks would at least realize that customers are not going to be in favor of roadblocking transactions-in-your-hand, so might go the further distance, now or soon.

In the mean time, what I do is follow the path of least resistance. I use EWCplus to retrieve accounts, and that is reliable save for the systemic breakdowns as with CrowdStrike, which we can hope has proven a level of maintenance and backstops to make future recoveries occur in a day or two, rather than a month or two.

I use the banks' own bill payment and transfers websites, preparing what I'm going to do first in Quicken, and then copy-pasting in the line notes the verification codes that transactions receive. It doesn't take so many minutes to work this way, and it has been entirely reliable, to the point of letting me trace my own mistakes.

And remain quite ready to do it better, when we can :)

Look, you two — it's what I said also: Quicken is by their statement not using Plaid, or for TD Bank.

I explained the undercurrent's likely basis in my post that was removed.

I do think it's interesting that TD Bank has itself an involvement with Plaid, at the least on the grounds that Plaid has its own protocol like Intuit's that Quicken uses, and that by splitting their effort, there may be the problem raised that we see — that in the three-way between TD Bank Quicken, and Intuit, the fixes are taking a very long time to happen.

Use use Mac Quicken. Why does everything work fine with Mac? I download fine from TD and pay may bills using Quicken and direct connect,