PNC bank upgrade affecting Quicken downloads?

Having same problem as reported by @MBaron , @sanjivmshah and @slickparent - no new transactions since 2/24 and deactivate/reactivate does not fix it. I believe (or hope, at least) that the more complaints PNC gets the more seriously they will treat the issue, so called them yesterday. Unfortunately, I got someone in Tier 3 who said her IT contact reported that "Direct Connect to Quicken Classic Deluxe is no longer supported by PNC" so she would not attempt to help me or forward me to IT! (I know that PNC no longer supports DC for accounts that do not offer bill pay, and stated as much, but that distinction was apparently lost on her and whoever she claimed to have contacted in IT.) Will call again today if time permits, and will ask to speak to a manager if I can't get a case opened.

For those where this issue was resolved (shortly after the PNC bank website update) and then it started again around February 23, there is a different post on that.

PNC Bank not downloading since February 23, 2026 — Quicken

UPDATE 3.9.26 MONDAY

Although I haven’t yet been afflicted by the PNC DC non downloading issue, I have had some stuff happen since Thursday 3/5/26 that makes me believe PNC is having some continuing online issues.

For the first time in a very long time I had two BillPay payments and two deposits missed in my Saturday 3/7 download (9 items did download). I could see all 4 items were out of my balance at PNC.COM …. but for some reason not in the Saturday download. I had to manually reconcile the 4 items to get my account to balance.

I also have at least one large BillPay (that shows as confirmed in Quicken with a lightning bolt and #) which never paid on 3/6. This was to a credit card company. I have never seen this before. BillPay has always been rock solid once confirmed. I’ll probably wait another couple days to see if it finally “pays”.

The last thing I noticed was very weird. I check on my main checking account at PNC.COM daily (just to double check Quicken). Every day I see “pending” items online at PNC …. which become my download items usually 24 hours later. On Friday I saw no pending items at PNC.COM. That was a first, ever, for me. I wonder if this was simply a coincidence or did PNC have some kind of a problem 3/5-3/6?? I don’t think I’ll ever really know. I am already seeing 11 “pending” items online at PNC this morning.

I’ll keep watching to see if things get worse or better. I will be calling PNC Tier 3 later this week if it looks like things are continuing to deteriorate (it certainly looks like many many people are not getting DC downloads whatsoever). I am hoping this all starts to clear up quickly.

UPDATE 3.10.26

Still not afflicted by the "NO Direct Connect download since 2/23" issue that is seemingly affecting so many. I have not a clue why. I did my time in the "box… for three months this past Fall.

On a positive note, in my downloads today (3/10) were the 4 missing transactions from Friday (missing from 3/6 download but still in the updated balance). They did not come down 3/7, 3/8 or 3/9. I feel much better having them come down, even if they are now redundant. I do believe PNC had some kind of online banking SNAFU last Thursday or Friday. Unfortunately, I don't think I will ever really be able to know for sure.

I am still missing a large BillPay that was never paid. I think this may have been my fault and maybe a limitation of BillPay . . . . I placed 4 payments to this vendor all for the same day. Although that seems to have never been a problem in the past, maybe it is now. 3 out of 4 were paid. I am going to delete the BillPay and re-enter. I am going to watch BillPay closely.

Although I am not going to post in the other "no DC downloads since 2/23" thread because I don't have the issue, I think it is relevant that I am still getting my DC downloads on all 7 PNC accounts. It is not every PNC DC user. That fact might be helpful when speaking to PNC Tier 3 support. Good luck to all getting help and resolution.

Thanks @MBaron

The oddity is that the downloaded balance on Friday reflected items which did not come down via DC. That required manually adjusting the reconciliation. I have had DC miss an item in the past (rarely), but I have never seen the same items download via DC 3 banking days later.

There will always be a minimum of a 24 hour delay between posting to a PNC account and downloading via DC into Quicken. The Direct Connect servers only pick up PNC data once per day.

Charlie

I agree, that there are no plans currently at PNC to discontinue Direct Connect use with Quicken.

I don't really think PNC is "building in" a delay, its just part of the process. Any bank using Direct Connect would have the same delay. There are three separate parties involved with Direct Connect downloads. PNC Bank provides our account information to a third party company called Direct Connect and Quicken downloads our account information from Direct Connect, not PNC. Direct Connect hosts servers that map the PNC information to a format called OFX (open financial exchange) that can be understood by Quicken. I am told the information is mapped once per day by Direct Connect. OFX is why Quicken can interface with hundreds or thousands of financial institutions. I believe Direct Connect (the OFX provider) is owned by Intuit (although Quicken nolonger is).

The other way to connect a PNC account to Quicken is called EWC+, and that basically links your PNC online account directly with Quicken using your PNC online account info. With EWC+ you don't have access to BillPay from within Quicken.

I agree with you that the "no downloads" issue should be addressed with Tier 3 at PNC. I have had very good luck with PNC Tier 3 once I opened a case and got assigned to a "resolution specialist". In my case, it took about 3 weeks for PNC to fix one of my accounts (could not set it up with Direct Connect).

Just to clarify, @slickparent , I had an IT tech tell me the same thing several months ago — that there are no plans to discontinue DC for accounts that support bill pay (whether the customer actually uses the account that way on not). At one time, however, DC could also be used for accounts that do not offer bill pay, such as credit cards; they have since transitioned users with such accounts to EWC+.

Yes if you follow the other post a bunch of us did get some transactions via OSU today after 9 am, however, they were only from, in my case, a few transactions that cleared 3/8 thru 3/10. I got 8 total and I am pretty sure for the 1 account there should of been more. Not going to log into bank account and figure it out, just going to keep waiting. We should get all of our transactions that have been missing once they finish it, as when you reactivate an account it shows you the total number of possible transactions and won't bring old transactions just new ones. It did back in Nov/Dec.

rgc101,

There are no REAL suggestions. I wish there were. Quicken has been unable to fix these issues completely since last year. It goes away for awhile and then the errors come back, usually with an update.

It seems that there are no real development discussions about changes between Quicken, the Financial Institutions, and Direct Connect (Intuit) before the updates take place; so the problems occur and the fixes and solutions are reactionary instead of predictable.

Also, Quicken does not seem to address any problems until the Community: complaints/questions/community fixes posted reach about 10 pages. I have used Quicken since about 1987. Up until the Charles Schwab changeover from Direct Connect 2 summers ago (which took about 4-5 months to fix), response times have been very slow, and fixes even slower.

I'm sure that this post will be taken down as it will be deemed not supportive, or inflammatory, or some other excuse, but I feel it is time for Mr. Dunn to address the community with a plan to fix Quicken so it works and is reliable. Instead Quicken is spending millions on stupid advertising: i.e., the guy with the nail clippers cutting the grass, rather than fixing the problems with the program.

I used to recommend Quicken unabashedly and encouraged friends and anyone to use it. Now, not so much. I will, but with the caveat that the financial transaction downloads may not always work and need to be checked at least weekly with the institutional webpage to make sure that your payments are actually occurring and the downloaded transactions (if they happen) are accurate! GOOD LUCK

Just curious. If the OL-297-A connection issue is caused by an expired certificate, why is the problem intermittent? I have gotten the error during the last few days, but Quicken always eventually connects after a few tries and/or some additional time without issue.

thanks.

Still getting the same message this am. PNC had me deactivate the accounts so now I don't have any connection because I have to go through the online services set up. I can set up my accounts using web connect fine. Problem is with Direct Connect. This is 2026 people. Stuff like this is not supposed to happen. Please figure this out.