America First Credit Union - OL-295-A [Edited]

I am having the same issue, so I reset. Still won't connect.

I was able to fix this myself. Which tells me the issue is with Quicken, which is frustrating because the docs say that OL-295 is DEFINITELY a bank server issue.

For anyone interested, I was able to get it working (who knows for how long) by:
1. Go to my AFCU account
2. Edit account details
3. Online services tab
4. Click the "change connection method" button.
5. There was only 1 option for me, and it was for "Express Web Connect" (I don't think this is actually the way Quicken wants to connect…)
6. Re-set up and relink the account.

I quit Quicken and updated the account again to confirm. There is definitely a bug of some kind in Quicken here, though.

Reported the problem in Quicken.

I was able to fix it!! Very similar to droidkfx above.

In Quicken for Mac, I deleted the AFCU connection completely.

Then went back in to set it up as a "Quicken Connect" connection.

Worked fine.

[Edited Readability]

I sent the following to America First Credit Union on March 6, 2026, at 7:40 PM

I have called the service center twice now and spoken with two different support personnel. Neither one seemed very savvy on Quicken connections. I gave them the error code being generated by Quicken, which clearly points to a problem with connecting to the America First Servers. I have been using Direct Connect. I have been using this system for about two decades now, and about 10-14 days ago, this connection on my multiple accounts all started giving me the same error. The error given is the following: OL-295-A - Your financial institution has rejected this transaction. For more information, contact your financial institution. Nobody on the AFCI standard help line seems to know how to handle this issue. They want me to fix my firewall settings, which haven't changed for years. Not the issue. They want to fix my Quicken software. I'm using the latest version, so it should not be the issue. The error message text clearly states there is an issue with the connection at America First Credit Union. Surely there is a Quicken Team, or someone assigned to maintain the technology to connect to Quicken Classic Premier Version R66.23 Build 27.1.66.23.

Here is my assessment today after contacting AFCU again today, March 13, 2026:

As I understand it, the Direct Connect service with America First Credit Union is currently being denied on their end. While there is a possible workaround using Express Web Connect—which involves re-linking all accounts—my understanding is that this method requires storing your username and password within Quicken’s system. From a security standpoint, that raises concerns for me.

Direct Connect is generally considered more secure because it allows credentials to remain on the user’s own computer or requires the password to be entered during connection. In addition, Direct Connect supports important features such as bill pay, whereas Express Web Connect is limited primarily to downloading transactions.

For these reasons, I strongly prefer to use Direct Connect. At this point, it is not entirely clear where the underlying issue originated. Some users in this discussion believe that a recent change on Quicken’s side may have contributed to the problem. If that is the case, it would be appropriate for Quicken to work directly with America First Credit Union to help resolve it.

From what I can tell, this issue has been ongoing for at least a week without resolution. It would likely be most productive for America First Credit Union and Quicken to communicate directly and collaborate on identifying the cause. Right now, it appears each side may believe the issue lies with the other. However, it is clear that something has changed on one side or the other, and that change has disrupted Direct Connect access for America First Credit Union users.

At this point, the best path forward would be for both organizations to work together to determine what changed and restore Direct Connect functionality for their customers.

[Edited Readability]

Mine just started working on its own…….they did something….

A strange thing about this website’s search engine: if you simply search “America First Credit Union,” this thread doesn’t appear. The only way to find it is to search “America First Credit Union - OL-295-A.”

I had reposted my comments as a new thread to bring this issue back to the top, but someone (likely trying to keep things organized) moved them back into this thread, which unfortunately buried them again. I’d really appreciate getting a bit more visibility on this issue.

For context, I’ve been using Quicken for over two decades, and honestly I don’t remember ever feeling this frustrated with it. Quicken and America First Credit Union—please work together to resolve the technical issues between your systems as soon as possible.

From my perspective, Quicken also seems to be pushing updates far too frequently, often without clear necessity. Updates every few weeks or every month start to feel excessive unless there’s a major improvement or fix. It might be better to focus on thoroughly stabilizing a solid version of the software before releasing updates so often.

Right now, it feels like the pace of updates isn’t adding much value—just more disruption. I’d much rather see a stable, well-tested release cycle than constant patches. Slower, more polished updates would be greatly appreciated.

Thanks for taking a look at this issue—I’m hoping it can get the attention it needs.