PNC bank upgrade affecting Quicken downloads?

Boatnmaniac · November 4

https://community.quicken.com/discussion/comment/20519436#Comment_20519436

Out of curiosity: Was the savings account that downloaded the interest transaction via DC a High Yield Savings account? That is why my account that downloaded an interest transactions is.

charlieo.Hemlock · November 4

Update 11/4/25 12:55 PM EST

I just spent 2 hours with Quicken after realizing this AM that I could not send payments. Not sure when this started because I was able to send last week. Now, when I update, I still get the green globe and the "completed" notification … but the payment remains as "send". Quicken tried everything under the sun (deactivated-reactivated, etc.) and finally concluded it is all part of the larger PNC Direct Connect issue.

Are other folks seeing this behavior????

PS. PNC Tier 3 support also believes the send issue is part of the Direct Connect fiasco….. They also said just now the fix for Direct Connect at PNC is "mid November". :-(

Quicken Anja · November 4

Hello All,

Thank you for taking the time to report your experiences.

Our team has been doing internal testing on this PNC issue. Based on the findings, we’re requesting that users try connecting their accounts using the PNC - Virtual Wallet instance in the financial institution list instead to see if it allows you to connect and download transactions successfully.

Please let us know how it goes!

Boatnmaniac · November 4

https://community.quicken.com/discussion/comment/20519531#Comment_20519531

Send payment commands work only with DC connections. They do not work with EWC+. Until we can connect to PNC with DC, again, we will not be able to send any Bill Payment nor Transfer commands to PNC.

Boatnmaniac · November 4

https://community.quicken.com/discussion/comment/20519570#Comment_20519570

I'm not sure what issue using PNC - Virtual Wallet would solve because that provides only an EWC+ connection. But the primary issue of this thread is that DC (PNC Bank - Direct Connect) is not working (except that a few of us have gotten a single interest-only transaction downloaded yesterday or today to a single savings account). Most, if not all, of us who want/need the DC connection is because of the DC Bank Bill Pay feature. Without DC this feature is no longer available to us.

Anyway, earlier today I was able to successfully set up and download via EWC+ with PNC Bank - Web Connect. And I just now (in a test file) was able to set up and download via EWC+ with PNC - Virtual Wallet.

charlieo.Hemlock · November 4

https://community.quicken.com/discussion/comment/20519573#Comment_20519573

I was using Direct Connect/Bill Pay to send this AM. It worked last week after the 25th, so I'm not sure what changed on the Direct Connect end. PNC support did believe the inability to "send" was related to the larger Direct Connect issue. As I said, they also don't believe a fix will be available until "mid November".

Boatnmaniac · November 4

https://community.quicken.com/discussion/comment/20519576#Comment_20519576

That is what this thread is all about. From 10/24-1026 the PNC website was down so they could upgrade their system. I was surprised that I saw the OSU Summary of 10/25 say that OSU completed that morning but then I noticed that nothing had been downloaded and the Online Balance had not been updated. That is still the case with DC.

Some have posted that they were able to schedule Bill Payments using DC but when I asked them what evidence they have that the Bill Payments were successfully scheduled they never responded. So, I'm assuming that they were mistaken about that.

As for myself, I tried to schedule on Bill Pay early last week and it failed. While OSU seems to be contacting PNC to some degree it does not appear to be exchanging any data between Quicken and PNC (with the exception of 3 of us who have reported that a single savings account interest deposit transaction occurred earlier this week).

Mid-November is just a week or so away from now. I can live with that since I can schedule bill payments in my online checking account and I am now getting transactions downloaded via EWC+ with PNC Bank - Web Connect (PNC - Virtual Wallet also works with EWC+).

charlieo.Hemlock · November 4

https://community.quicken.com/discussion/comment/20519595#Comment_20519595

That is the thing. I was able to make payments using Direct Connect as late as 11/1. Proof is that I got the lightning bolt and a check number in my check register next to each payment (maybe 20). The payments also now show in my PNC web register for the account.

Something changed with my Direct Connect on or after 11/1 …. Payments refuse to “confirm” now and just say “send”. PNC Tier 3 support says it’s part of the migration issue.

To be honest, I am not sure who I believe. When my case got escalated at Quicken today, they claimed to be unaware of a problem at PNC involving Direct Connect. They are supposed to contact me tomorrow via email. PNC’s tech support has been pretty vague. If it’s 11/15 … I can live with that.

ChetOrSteve · November 5

While waiting for Nov. 15 I'm manually entering transactions When they appear at the PNC web site. Question: If a transaction has cleared at PNC should I mark it as Cleared in Quicken? Or should I wait til its posted after the fix? Which causes less confusion once this gets fixed?

ralphf · November 5

Mine is still not working on DC.

charlieo.Hemlock · November 5

https://community.quicken.com/discussion/comment/20519639#Comment_20519639

I don’t think anyone’s PNC Direct Connect post migration is working yet. I was told that best case is “mid November”.

Boatnmaniac · November 5

For those who have not yet seen it, there is now an Alert posted about PNC and missing transactions: NEW! 11/4/25 PNC Bank -Direct Connect and PNC - Web Connect - Missing Transactions .

Since we are not getting error codes, not mentioning "connection issues" in this Alert might be appropriate, especially since the OSU Summary says that OSU is successfully completing. It's just that financial data is not getting communicated and updated.

Boatnmaniac · November 5

https://community.quicken.com/discussion/comment/20519616#Comment_20519616

Thanks for clarifying. I didn't know that at least some people were able to upload Bill Pay commands until 11/1. My ability to upload Bill Pay commands ended on 10/24.

There is now an Alert posted about the PNC issue (NEW! 11/4/25 PNC Bank -Direct Connect and PNC - Web Connect - Missing Transactions) so now Quicken Support should now about it. I am a bit disappointed that it took over a week to get the Alert posted but at least that is done, now.

charlieo.Hemlock · November 5

https://community.quicken.com/discussion/comment/20519650#Comment_20519650

Thank you. I’ll check that out. Quite frankly, I am not sure who to be more disappointed in. It is still unclear who is actually responsible for fixing PNC’s Direct Connect problem. Is it PNC? Is it Quicken? The PNC rep yesterday told me it was Quicken and Quicken support told me “we aren’t aware there is a problem at PNC”. I am sure at some level PNC has resources trying to get the DC interface fixed, but they are also trying to deal with a myriad of other problems caused by their terrible migration. Oh well ….

Boatnmaniac · November 5

https://community.quicken.com/discussion/comment/20519638#Comment_20519638

I think I would mark them as cleared. It would help me to know the status of the transactions and know what's really in my checking account and to verify that there are no payment issues that have occurred. When the OSU downloading issue is fixed Quicken should match or allow you to manually match the downloaded transactions to the manual entries you made.

I think I would not mark them as reconciled because then I would lose visibility in the account register of which transactions were impacted by this OSU downloading issue.

FYI: I have manually entered my transactions and Reminders like always. I never manually marked the status of the transactions. Instead, a couple of days ago I deactivated the DC connection for my accounts and then set up downloading via EWC+ using the PNC Bank - Web Connect financial institution. All the missing transactions (no duplicates) were downloaded and matched to the manually entered transactions so I could then use Quicken to reconcile the accounts. When the DC issue(s) are fixed I switch back to DC because I do want to continue using DC Bank Bill Pay which is more convenient than entering the bill pays into my online account at PNC.

charlieo.Hemlock · November 5

https://community.quicken.com/discussion/comment/20519654#Comment_20519654

For now, are you making payments on the vendors sites outside of Quicken?…. Since bill pay won’t work with Web Connect? Does anything get “broken” switching back and forth? … like scheduled payments??

Quicken Anja · November 5

Hello All,

We now have an open Alert for this issue and our teams continue to work to resolve this, though we do not have an ETA on resolution at this time. While the investigation remains ongoing, please refer to this Community Alert for any and all available updates and information.

We apologize for any inconvenience in the meantime! Thank you.

Boatnmaniac · November 5

https://community.quicken.com/discussion/comment/20519653#Comment_20519653

It is fairly common, unfortunately, that people who don't know what they are talking about or want to deflect because they don't know anything will point the finger at the other party. That's why it is usually recommended to ask to talk with someone in tech support at the financial institution because the 1st Tier customer service people generally do not know much or anything at all about Quicken and technical downloading issues so they will often point the finger at Quicken.

DC connection issues are usually caused by the financial institution. In this case PNC did a big system upgrade and it affected their ability to download data via DC. And the fact that someone earlier in this thread said they had been told by PNC's Tier 3 that DC connectivity "got missed" when PNC did their system upgrade. But I suppose it is possible that PNC did communicate the upgrade changes regarding DC with Intuit and/or Quicken and they did not implement any necessary changes. But still, I keep hearing that "got missed" statement.

charlieo.Hemlock · November 5

https://community.quicken.com/discussion/comment/20519658#Comment_20519658

:-) I was the one that quoted Tier 3 support at PNC as saying DC got “overlooked” by the migration team. Actually, the PNC migration was quarterbacked by a 3rd party company and that has complicating the fix and its timing (according to what I was told yesterday). I’m in a “wait and see mode” as of today.

Boatnmaniac · November 5

@charlieo.Hemlock -

For now, are you making payments on the vendors sites outside of Quicken?

I offered this as one option to scheduling DC Bank Bill Pay payments.

I have set up Auto Pay (and occasional 1-off payments) in my online accounts for almost all of my billers and have done it this way for years. That is my standard practice. Once set up I never have to worry about it because if the autopay fails it is the biller's responsibility and they can't/don't penalize me for it.

I set up Reminders in Quicken for them and I get emails or texts from the billers letting me know of the amount of the bill and the date it is due. Then, I can edit the Reminder as needed.

This is the most reliable method to use and except for some Gov't agencies and utilities the Autopay process is free, even when using a credit card to pay for it.

I've been doing it this way for many years and only use DC Bank Bill Pay for 2-4 bills or payments per month.

Since bill pay won’t work with Web Connect? Does anything get “broken” switching back and forth? … like scheduled payments??

Switching to WC from DC will break the connection between Quicken and the scheduled DC Bill Pays/Transfers that were previously set up with PNC. However, those previously scheduled transactions will still be processed by PNC, the transactions will still be in your PNC account in Quicken and when the payments post at PNC they will be downloaded via EWC+ into Quicken and matched to the transactions that are already in the register. It just means that you will not be able to change anything at PNC (like changing the date or canceling it) about those previously scheduled DC Bill Pays/Transfers. But how often does that occur, anyway?

When DC is set up, again, those previously scheduled DC Bill Pays will not be reconnected. But the Online Payees will still be intact so you can simply resume doing DC Bill Pays just like you used to.

I think the main thing to keep in mind is if you were not able to cancel previously scheduled DC Bills Pays (especially when they were set up as recurring) before deactivating the DC connection that you do not set up a duplicate payment on the biller's website. Otherwise you will end up paying for those bills 2X (once by PNC and once via the biller).

Another option to this is to log into your online PNC account and schedule the Bill Pays there. Just remember that you will not see nor can you edit any previously scheduled DC Bill Pays (yes, I don't like that at all) so you want to be careful not to duplicate a Bill Pay that had previously been scheduled with DC.

draimist · November 5

Any updates? Are both PNC and Quicken working the issue?

charlieo.Hemlock · November 5

https://community.quicken.com/discussion/comment/20519722#Comment_20519722

Yes they are,…. but the more people that complain to both PNC and Quicken …. Perhaps the more resources they will apply to resolve this fiasco.

Boatnmaniac · November 5

I had some communication today with a Quicken Dev Team leader about this issue. He shared with me that they have found an issue in the log files I shared with him and that others had reported to Quicken via Report a Problem where the date range is wrong and where account numbers are getting masked. He didn't provide more details than this but did say this means the OFX files are not valid. He also reassured me that his team is working with PNC on addressing these issues. IMO, this is good info and is encouraging that perhaps they are now on a path toward resolution of the issue.

draimist · November 6

Thank you @Boatnmaniac . Sure hope it is fixed soon. Been almost a week now. I will keep an eye out.

billzebub · November 6

https://community.quicken.com/discussion/comment/20519380#Comment_20519380

I have continued to send payments by direct connect and they have been showing up on the pnc website as they have been processed. This has been going on long enough that the payments have been sent and received but not downloaded. As others have mentioned in this thread, I've had my case escalated by PNC. They are aware of the problem but don't have an estimate as to when it will be corrected.

andre5006 · November 6

Seems to be working now! Transactions from 11/3 downloaded and reconciled. I made NO changes to my Quicken/PNC configuration.

charlieo.Hemlock · November 6

https://community.quicken.com/discussion/comment/20520023#Comment_20520023

No change here as of 12:10PM 11/6. Nothing downloads and nothing sends via Direct Connect. Still get green globe and “complete”.

JLagorio · November 6

It is 11/6 and so far the morons hired by PNC bank to complete the upgrade have done nothing. I have been using direct connect for 20+ years with no issues. It may be time to switch banks.

draimist · November 6

It was fixed for me earlier today. Downloaded all non-downloaded transactions and reconciled. All good…but wait…..now there is an issue with a temporary outage with Direct Connect.. Geez….cmon guys (both Quicken and PNC).

draimist · November 6

https://community.quicken.com/discussion/comment/20520095#Comment_20520095

Here is the error message i get now.

We?re aware of a temporary outage with this financial institution that?s preventing updates. Our team is working to resolve it. There?s no need to contact support or reconnect?please wait and try again tomorrow. More info here: www.bit.ly/PNC-issue

PNC bank upgrade affecting Quicken downloads?

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