PNC bank upgrade affecting Quicken downloads?

@Rick8 -

However, sometimes the "check" turns out to be an ACH electronic process.

PNC will always send bill pays via ACH when they have the Payee's bank information (routing number, account number) in their system.

When they don't have that information in their system, PNC will print and mail a check. With ACH payments the minimum lead-time from the process date to the delivery date is usually 3 days. But for most check payments that minimum lead-time is 5-6 days. Per the picture you posted there was 6 days from the process date to the delivery date…a pretty good indication that the check was mailed.

Yes, I suppose it is possible that PNC messed up but yours is the first post like this that I've seen since the PNC DC issues began on 10/24.

Is this a recurring payment for you? If so, you could log into your online account and find one of the prior payments made. If you click on the transaction and if it was paid by check there will be the front and back images of that check. On the back image will be the endorsement with the date that the check was cashed. If the prior payment was paid by check you can be very sure that this missing payment was also paid by check.

It has never taken 14 days (weekends included) for any of my "checks" through quicken/PNC to clear in over 20 years.

I suggest that a 1X occurrence over 20+ yrs is not an indication of a reliability issue. It's an indication that there might have been a 1X fluke that might not ever occur, again. Now, if it happens again then maybe there is an issue but where does the cause of the issue lie? More information is needed. In this instance, if previous payments were indeed paid by check, then the odds are really high that the cause was after the payment was processed and mailed. Then the USPS or or improper receipt/handling by the payee would be the prime suspects.

I do have 4 transactions at PNC that posted yesterday and 2 days ago: a wire, two payments and a deposit - none of which has downloaded as of 5 minutes ago.

I've noticed that PNC seems to be processing and downloading transactions on a somewhat delayed basis. I had one payment that showed on the PNC website as being posted on 12/5. It just downloaded this morning….5 days later. But other transactions have downloaded pomptly by the next day. My guess is that your transactions will download tomorrow or the next day. But, yes, that is a problem. It seems that PNC's "improved" system is not working very efficiently, yet.

A few people have reported that doing Validate & Repair fixed their PW Vault issue. You might want to try that because if it does then only the DC connection set up for PNC will need to be deactivated

Deleted PW Vault does not deactivate any accounts regardless of the connection method used.

If the PW Vault is deleted all EWC and EWC+ connected accounts will continue to function normally with OSU because the login and token info is not saved in PW Vault (it's why we see "Not required" for them in PW Vault).

With non-PNC DC connected accounts, the DC connections will remain intact and function but you will need to manually enter the PWs during OSU. Once the new PW Vault is set up you can then manually enter them in there so the accounts will be automatically updated during OSU, again.

The PNC DC accounts will need to be deactivated and set up, again, though. But what I've found is the process to do this is very specific at this time and any deviation from that process will result in failure. For quick reference, here is the process, again…after the PW Vault has been deleted:

1. Back up the file before proceeding.
2. For EACH PNC account: Account Register > upper right Gear icon > Edit Account Details > Online Services tab > Deactivate > General tab > remove all financial institution information (everything above the Contact Name field).
3. After all PNC accounts have been deactivated: Tools > Add Account > PNC Bank - Direct Connect > Advanced Options (a link at the lower right of th PNC Bank - Direct Connect view in Add Account) > select Direct Connect > enter your DC UserID and PW (as were provided to you by PNC) > when prompted make sure to LINK each downloaded account to the accounts that are already in Quicken. (NOTE: If prompted to create a new DC PW for PNC do NOT do that. If you do that you will likely need to contact PNC Tier 3 to get something reset in their system. Instead, cancel the process and start over, again.)

This has worked for many, but not for all (including not for me). For most if not all of us we needed to first go to File > Copy or Backup File > Create a copy or template > Next > use the default file name (which is the same as the original file with "Cpy" added to the end of it or give it a different unique file name > Open the copied file. This process will create an exact copy of the original file except that all online services will be broken and will need to be set up, again. IMPORTANT: To set up all the connections again, for PNC make sure to follow steps listed above.

Why doesn't Quicken or PNC fix the issue?

We know that Quicken has been working with PNC to resolve the DC connection/downloading issues. What we do not know is where they are at in that process. It will get fixed. It's just a question of when.

I do not feel it is my responsibility to do all the work after all I am paying a subscription fee.

I think we all feel the same way. But we are not doing all the work because we are simply doing a workaround. It is not a program fix and that is where the real work is done to come up with a fix.

We have an option. We can either wait for their fix to become available (and who knows when that might be) and manually manage the accounts in the interim. Or we can take the workaround steps to resolve the issue so we don't have to manually manage our accounts. The choice is ours.

Resetting a single account set up with EWC+ when there are multiple set up accounts at that FI often returns odd results. I think this is because there can be only 1 security token for EWC+ authorizations with that FI and trying to reset only 1 account conflicts with that security token which includes all the other accounts.

The general rule of thumb I have been following is when needing to reset one EWC+ connected account with a FI one should first deactivate all EWC+ connected accounts with that FI. Only then do Add Account or Set Up Now which will then no longer cause such a conflict and will reauthorize all of the accounts.

Did you check your other PNC accounts to make sure they are still connected and downloading? Sometimes when trying to reset a single account with a multiple account EWC+ FI I have observed the same thing you did but also noticed that one or more of my other accounts ended up getting disconnected during that process. The only thing that resolves that for me is to deactivate all of the accounts and then do Add Account or Set Up Now, again.

Why were you trying to reauthorize that credit card? Was there an issue with downloading from that account?