PNC bank upgrade affecting Quicken downloads?

Glad to hear that you found the solution that works for you.

Yes, the PNC Bank - Direct Connect setup requires use of the unique DC login info. The website login info will not work correctly or will not work at all with DC…it only works with the EWC+ connection options (PNC - Virtual Wallet and PNC Bank - Web Connect). It's so easy to forget this and I think that could have been emphasized more in this thread than it is.

It's not clear that you followed ALL of the steps needed to resolve the PW Vault issue and get a good DC connection set up, again. It sounds like you still have the PW Vault issue.

After you deleted the PW Vault did you:

1. Deactivate the PNC account.
2. Remove all the financial institution information above the Contact Name field on the General tab of Account Details.
3. Repeat #1 and #2 for every other PNC account that you might have.
4. Only then go to Add Account (NOT Set Up Now) > select PNC Bank - Direct Connect > click on Advanced Options > select Direct Connect > enter your unique DC login and PW > make sure to LINK the downloaded account data to the accounts that are already in Quicken.

NOTE: If Quicken prompts you to change your DC PIN, do not do that. Back out and contact PNC's Tech Support (you might need to talk with Tier 3). They will likely need to reset something on their end using your original DC PIN (the one that they originally mailed you) so you can complete the Add Account process in #4.

BTW, Quicken Bill Manager is a 3rd party bill pay service that is totally different from DC Bank Bill Pay. Do not activate that service unless you do not intend to use DC Bank Bill Pay.

If after following the steps in my last post (referenced at the top of this post) you are still not getting a good DC connection you might have a connection/PW corruption in the file. In this case you might want to try doing what I and a some others had to do. Back up the data file before proceeding.:

FILE > VALIDATE & REPAIR FILE: Some have reported this resolved that issue and they were then able to set up a good connection following the steps mentioned in my previous post (as shown at the beginning of this post). If this did not resolve the issue for you proceed to the next step.:

FILE > COPY OR BACK UP FILE > CREATE A COPY OR TEMPLATE > NEXT > SELECT A UNIQUE NAME FOR THE FILE BY MODIFYING THE URL OR ACCEPT THE DEFAULT (WHICH WILL BE THE SAME DATA FILE NAME AS THE ORIGINAL FILE BUT WITH "CPY" ADDED TO THE END OF IT) > SAVE COPY > ENTER A PW. Let the process run to completion, even if it appears to have stalled. When the process is completed, open the new copy.

1. The new copied file will be an exact copy of the original file except that it will have a new unique data file ID, a new unique Cloud Account ID and a new runtime.dat file that are specific to this copied file.
2. This Copy process can fix some data file and connection issues. And if the issue is with the Cloud Account or with the runtime.dat file it definitely resolves those issues.
3. This process will also break all Online Services meaning all download connections with all affected accounts will need to be set up, again. I would start with first trying to set up PNC with DC per the steps in the post referenced at the beginning of this post. If you still get the same issue you can then simply delete this copied file and restore the backup copy so everything will be as it was before.
4. If you were successful in getting DC setup with PNC, then you can proceed to set up the non-PNC accounts.

This Copy process is what I finally needed to do to get the PW Vault issue finally resolved. It now serves as my primary data file. If you read through this thread starting with 11/15 you will see others posting the same thing.

One last comment: It appears there is a new issue where some PNC folks are getting an OL-293-A error code. I don't know too much about this, yet, and so far there have not been many people posting about it. So, for now, this is just a FYI to be aware of.

I had to go to the Online Services tab of Account Details and enable Bank Bill Pay, again. It's just one simple click to enable it, again.

@MBaron - Triplicate transactions? That's a new one for me. I don't recall ever hearing of that happening before.

• Did this happen after updating your Quicken version and, if so, to what version?
• Did this happen after you had done anything to change/modify the connection method such as Reset Account, Deactivate/Reactivate, Reauthorize, etc.?
• Are your PNC accounts connected with EWC+ or with DC?
• If you have not reported this to Quicken, please do so now (Help > Report A Problem) because they need to know about it or it will likely not be investigated.

When I ran OSU this morning I got nothing like that for previously downloaded transactions. But I did get something else that I don't recall having seen happen before: A transaction that was downloaded and correctly matched to a previously entered Reminder as well as a duplicate of that! Now how does that happen?

I am going to report this issue to Quicken, as well. It might or might not be related to your triplicate issue this morning but something odd does seem to be going on and simply talking about them in this forum will not get the type of Quicken Dev Team attention that using Report A Problem will get.

@MBaron - I've noticed that PNC seems to be taking longer to process transactions with some taking as long as 4 days. Others seem to process more normally within 1-3 days. So maybe PNC is still having some internal issues with their system update.

Normally if you do an update after 9 am on Friday you shouldn't have anything that will download via OSU till Tuesday after 9 am, as they all clear the bank Monday and are available for OSU till Tuesday after 9 am.

I generally run OSU 7 days a week…2X on Mon-Fri and 1X on Sat & Sun. For me, PNC has normally downloaded transactions on Saturday mornings (or the 1st time that I run OSU on weekends) provided transactions posted by Friday evening. (Yesterday morning was Saturday and as shown in the picture I posted yesterday 3 valid transactions were downloaded. This has not been an unusual occurrence for me.)

Like you, I generally do not get downloads from PNC on Mondays but I will get them if I did not run OSU over the weekend.

From the picture you posted it seems that this payment was sent via mailed check, not via ACH. Mailed checks are the least reliable method of payment.

Don't you think it's possible that the mailed check might not yet have been delivered or might have been delivered to the wrong address or might have been lost in the mail (all are USPS issues, not PNC issues)?

Also, I have experienced once in a great while where a mailed check (either one I hand wrote out or that the bank printed and mailed) was actually delivered on time to the payee but they misplaced it or simply did not process it.

BTW, PNC does not debit the checking account for any of their bill pays (either ACH or mailed paper checks) until the payment has posted. So if the payee's bank has not processed the check then PNC would have no visibility into the status of the check beyond what their system says when they processed the payment.

In addition, the folks inside PNC (including their Tier 3) does not have visibility to bill pays made via Quicken….just like you will never see Quicken bill pays in your online account at PNC until the payment has actually posted and even then it will never show up as a bill pay transaction. (This has always been a concern of mine but in years of doing Quicken bill pays with PNC they have never missed processing a payment of mine on-time.

What makes you think that PNC has stopped transactions downloading? Posted transactions will generally download 1-2 business days after posting. But I must admit I did have one payment that posted on 12/5 but it did not download until today…5 days but only 3 business days so only 1-2 days past when I'd anticipated it would download.