PNC bank upgrade affecting Quicken downloads?

I think you need to start a new post thread for this. This thread is about PNC Bank OSU issues.

In a test file I just deactivated my DC connected accounts and then did Add Account > PNC Bank - Direct Connect > Advanced Options > Direct Connect > entered my DC login information > Linked the downloaded data to the accounts already in Quicken. Here was the results.:

• The set up process completed properly.
• 9 new/missing transactions were properly downloaded.
• 8 duplicate transactions were downloaded into the checking account. 6 were dupes of the new/missing transactions that were also downloaded. 2 were dupes of late Sep transactions (which I deleted).
• 2 duplicate transactions were downloaded into the HYS savings account (which I deleted).
• 1 duplicate transaction was downloaded into the std savings account (which I deleted0.
• The Online Balances were finally showing up below the registers of all 3 accounts and they were correct!
• Reconciling to the Online Balance functioned properly.

I then rushed to open my primary data file, deactivated my DC connected accounts there and then did Set Up Now. No joy.

• DC setup completed and the data was Linked to the accounts already in Quicken.
• No transactions of any kind were downloaded.
• No Online Balances were listed below the account registers.
• No Reconciling to the Online Balance was possible.
• The date of the last downloaded data is 7/23/2023.

EDIT: I should add that after Set Up Now produced the undesirable results I then did the deactivate/reactivate of those accounts using the Add Account flow. No improvement observed.

Sigh.

PNC DC in my test file: As with yesterday, DC did update correctly and the online balance date is current.

PNC DC in my primary file: Still no joy. The last data download date was updated to 6/23/2023….seems to change to some other wacky date everytime I run OSU. No transactions downloaded. No Online Balances below the registers.

I deactivated the accounts, again, and then did Add Account for PNC Bank - Direct Connect selecting Add Account and Direct Connect. Same results but the last data download date was updated to 7/27/2023.

I think you might have hit on something here. At least it definitely appears to have resolved the PNC DC connection issues for me. Sorry for the following wordiness but others might find it to be helpful.

After reading your post I checked the PW Vault in my primary data file (the file which is not working well with PNC's DC) and found an oddity: "Not required" is shown for PNC Bank - Direct Connect. That should not be. It should show "Yes".

I was not able to change nor delete the PW for PNC Bank - Direct Connect. So I took the following actions:

1. RESET VAULT: This did not work and nothing was changed in it.
2. DELETE VAULT AND ALL SAVED PWs: The Vault was deleted. But when I then set up a new Vault it automatically populated the entire Vault with the exact same data as shown in the above picture. That should not happen.

I then opened my test file (in which PNC's DC is working correctly) and noticed this PW Vault oddity does not exist there and PNC Bank - Direct Connect shows "Yes" for the PW, as it should.

This leads me to believe there is either a corruption in my primary data file or there is an issue with the Cloud Account for that file.

(I did not run Validate to fix this because Validate always deletes a lot of data for an old (closed) investment account so I avoid doing that. Others might want to first try doing this before proceeding.)

So, I made a Quicken Copy of the data file (File > Copy or Backup File > Create a copy or template > follow the prompts). This process deletes the PW Vault, breaks the connection with the previous Cloud Account and creates a new Cloud Account specific for this copied file. It also break all Online Services connections so all accounts need to be set up for downloading, again.

When I set up PNC Bank - Direct Connect via Advanced Options and selected Direct Connect I got the following results:

• All PNC accounts are now connected with DC.
• There were some duplicate transactions (not many for me) that needed to be manually deleted.
• Accurate Online Balances are now shown below the registers.
• The PW Vault shows "Yes" for PNC Bank - DC as it should.
• I was able to send 2 Bill Payment to PNC and PNC downloaded the check numbers and the Lightning Bolts confirming the Bill Payment commands were accepted.

Maybe you and I just got lucky but to me it appears that ongoing PNC Bank - Direct Connect downloading issues might very possibly be because of some issue with the PW Vault (file corruption or Cloud Account corruption).

Those who are still having PNC DC connection issues:

1. Backup your data file.
2. Try doing what @MichaelBarry did to see if that works.
3. If that doesn't work, check your PW Vault to see if it might be showing this "Not required" oddity for PNC.
4. If it does, you might want to try doing Validate & Repair to see if that fixes the PW Vault issue.
5. If that doesn't work for you, you might want to try doing what I did and make a Quicken Copy of your data file and try doing Add Account for PNC Bank - Direct Connect in that copied file.

Let us know if any of this resolved the issue for you.

@charlieo.Hemlock -

I found the “password not required” issue too. I guess I don’t understand what the password PIN does. If the vault is corrupt and there is no password …. why do we still get the green globe and the successful connection popup?

The "not required" in the PW column is supposed to only apply to EWC and EWC+ connected FIs because the EWC login info and the EWC+ security token are saved on Quicken hosted servers (Intuit?), not on the hard drive. I don't understand why they are now showing up in the Vault because it is my understanding that there is nothing about EWC and EWC+ that needs Vault in order to function (unless something about that has changed).

But DC connected FIs in Vault should have "Yes" in the PW Stored column because the PW/PIN is saved in the Vault to protect it from being compromised. I've never seen "not required" there before. That's what prompted me to think that either there is some sort of corruption at play.

BTW, one can still do OSU without the PW Vault. When doing it this way, since the PW is not in the Vault, Quicken will prompt you to manually enter it each time you do OSU. That's what @MichaelBarry said he is now doing.

I assume you can simply recreate the vault when ready… right?

We should be able to do that but in my case it was not possible to create a clean vault. If it does not work for you, either, then you might want to try following the steps I listed in my earlier post of today (four posts above this one) because that is what fixed the PNC DC connection/download issue for me. Maybe that will fix it for you, too.

If it does not provide you with desired results you can always go back to the original data file and continue using that until the issue gets fixed by PNC/Quicken.

Thanks for that picture. Yes, that is the "corruption" that I talked about. It shows that your account is set up with with the DC FI but the PW Saved column also shows that it is, instead, set up with EWC+ and not with DC. So I'm assuming this is causing a conflict during OSU that is allowing some data to download but not all data to download. Since there is a good download there is nothing to flag an error because of the missing or incorrect data.

I'm speculating that this issue might have been caused by another issue that I identified a couple of weeks ago during the Add Account process for PNC Bank - Direct Connect when not clicking on Advanced Options. When you click on Advanced Options you will see that it opens a popup showing Express Web Connect and Direct Connect with EWC being the default. First, I don't think EWC should even be listed there. But most important is that DC should be the default, not EWC. I think that when DC is not selected as the connection option it tries to set up an EWC+ connection with an Add Account Direct Connect FI listing that does not really support EWC+.

Here is the FIDIR listing for PNC Bank - Direct Connect. Note that it includes EWC/EWC+ as a supported connection method. I think that EXP=WEB-CONNECT should be removed from it. Or at the very minimum DC should be made the default for PNC Bank - Direct Connect in Add Account.

045010450104501PNC Bank - Direct Connecthttps://www.pnc.com/800-762-2035https://www.pnc.com/ACTIVEBANKING,ACCOUNTINFO,PAYMENT&DIRECT BANKING,ACCOUNTINFO&EXP-WEB-CONNECTNOT_QBPNA

So, that's why I began posting that during the Add Account process we need to manually change the default to the DC option. I see the Moderators have recently begun to post the same thing.

What has been confounding me is why deactivating the accounts and then carefully setting them back up taking care to select the DC option under Advanced Options does not fix that connection conflict. That's where I think the Cloud Account comes into play. EWC+ security tokens are saved in the Cloud Account. Maybe when Quicken set up the DC connection using the EWC option it causes Quicken to send the DC PW/PIN to the Cloud Account as an EWC PW. And then when setting up a new DC connection the Cloud Account sends that bad PW/PIN information back to Quicken perpetuating the conflict problem.

As for me, this PWV issue could not be fixed without going down the Quicken Copy path. I suppose deleting the Cloud Account should (in theory) resolve that problem but if you're going to go down that path you might as well go down the Quicken Copy path that I did because both will involve about the same amount of effort to get everything set up properly, again, and Quicken Copy can actually fix some other issues that might be present in the data file and/or Cloud Account so it perhaps provides a more comprehensive solution.

Enough of my theoretical rambling. More pertinent to your concerns:

• Resetting or Deleting the PWV does not affect the download connections themselves. All PWV does is safely secure the PWs/PINs for DC connected FIs so that during OSU Quicken can automatically enter them into the OSU Settings so you do not need to manually enter them.
• If you do not have the DC FI PW/PIN saved in PWV you will still be able to run OSU but you will need to manually enter the PW/PIN each time you run OSU.

The last time I Diconnected-Reconnected I did end up with two EWC+ loan accounts and 8 DC accounts. I have no idea how I did that.

I have only seen something like that happen when I've forgotten to first deactivate all of the accounts before doing Add Account to set up the new connection. Maybe that is what happened when you last deactivated/reactivated?

That sounds like a good plan. And who knows, maybe PNC Tier 3 is correct in that the fix will be put in place by early this week….but I wouldn't bank on that.

One suggestion that might help improve your odds of fixing the the issue yourself: After you deactivate the connections on the Online Services tabs go to the General tabs and delete all the Financial Institution from the fields directly above the Contact Name field. This is something that can help in successfully setting up a new but different connection method when simply deactivating the account does not work.