Nordstrom Credit Card Requires Multifactor Authentication EVERY TIME

Hello @ntrainer,

Thanks for reaching out!

1. When the MFA prompt appears, is it asking for a one-time code (like text/email), security question, or something else?
2. Have you recently changed any login security settings on your Nordstrom/TD Bank online account—such as enabling a stricter MFA policy?
3. Does the same behavior happen if you try updating from a different, trusted device on the same network?
4. Are any other TD Bank–issued cards or accounts in your file behaving the same way?

Just so you're aware: the multi-factor authentication prompt comes directly from the financial institution’s servers—Quicken doesn’t control when or how often it's required, nor do we have access to bypass or store those credentials. Some banks require re-authentication every session, especially if they've recently updated their security protocols.

Let me know what you’re seeing

Thanks for joining this thread.

Have you attempted to contact Nordstrom at all? The 2-factor authentication requirements do come directly from the financial institution and their servers, which Quicken does not have access to. I do suggest requesting to speak with either the banking or aggregator departments, as they are generally more familiar with third-party applications such as Quicken.

I hope this helps. Please let us know how it goes!

Hello @Rick4,

Thank you for sharing these additional details. I can understand how frustrating it must be to have both the MFA requirement each session and transaction sign errors affecting reconciliation.

The MFA prompt is being triggered directly by Nordstrom/TD Bank’s servers, and unfortunately Quicken cannot bypass or store those credentials if their policy is to require verification each time. This typically occurs when the bank enforces session-based authentication, especially after recent security updates.

The transaction sign reversal is a separate matter — when credits appear as debits or vice versa, it’s often due to how the financial institution is formatting data in the download feed. Since this is not something Quicken can alter in-transit, the most effective route would be to:

1. Contact Nordstrom’s online banking support, and request escalation to a technical team or “aggregator/third-party access” group.
2. Provide them with specific examples of the sign discrepancies and note that they are occurring when downloading into Quicken.
3. Let them know you are also encountering MFA every time and ask if they have an option to “remember device” or extend trusted session duration.

Please let me know how it goes!