Bank of America - User not eligible

Axel Foley · March 1

This error continues to plague me. I have tried several things to no avail:

Deactivated the account in Quicken (as instructed)
Revoked the access on the Bank of America website (as instructed)
Tried adding the account again (as instructed)

All of it led to "User not Eligible". I am the ONLY account holder on this credit card. I have tried during extremely light traffic". I just want a true explanation instead of trying out a bunch of unsuccessful steps. Tell me that it won't work for a month, and I will take that explanation. Don't send me on a wild goose chase, please.

[Edited - Readability]

Quicken Laura · March 1

Hi @Axel Foley,

Thank you for sharing the steps you’ve taken.

This is a known issue; Bank of America may restrict third-party authorization to the primary account holder, which can prevent a successful connection.

If your accounts are joint, try connecting using the primary account holder’s credentials. If that’s not possible, during reauthorization, select one account at a time.

If these steps don’t work, please contact Quicken Support directly for real-time troubleshooting and escalation. Phone support is available Monday–Friday, 5:00 am–5:00 pm PT. You can find the number here.

You can also check this alert for updates. I’m sorry I couldn’t be of more help!

https://community.quicken.com/discussion/7971544/new-2-26-26-user-not-eligible-bank-of-america

GenoM · March 2

I am the primary account holder of our BofA accounts. This only became an issue when Quicken Classic and BofA decided to change the connection type. [Removed - Rant]

GenoM · March 2

Is there a 3/2 update on this issue? Thank you.

Quicken Laura · March 3

Hi @GenoM,

We understand how frustrating this situation can be, and we truly appreciate your patience.

At this time, the issue is still ongoing and there are no new updates to share. Our teams are actively working toward a resolution.

For the latest information, please continue to refer to the alert shared in the previous post. Any new updates will be posted there as soon as they become available.

Thank you again for your continued patience.

Axel Foley · March 3

Issue still persists on March 03, 2026. I am the primary and ONLY account holder with Bank of America. Still seeing "User not Eligible" error. I am asking for an explanation and estimated day/date time of a resolution. Thanks.

DPTrainor · March 3

Is there a 3/3 update on this issue? Thank you.

Quicken Laura · March 4

Hello everyone,

Thank you for reaching out to us. At this time, we do not have any new updates to share, as our team is still actively working to resolve the issue.

We sincerely apologize for any inconvenience this may be causing and truly appreciate your patience and understanding while we work toward a solution. Although we do not have an estimated time for resolution yet, please be assured that addressing this matter is a top priority for us. We recognize how important this is and are committed to resolving it as quickly as possible.

For the latest information, please refer to the updated service alert below. We'll keep you in the loop as new details come in.

https://community.quicken.com/discussion/7971544/new-2-26-26-user-not-eligible-bank-of-america

Thank you again for your continued patience.

Axel Foley · March 4

Is there any explanation as to why this is happening? I know the reasoning was posted in the intial message by Quicken, however that information is dated and incorrect. Looking for a good explanation. Any March 4 update on this? Thanks.

Axel Foley · March 6

Is there a March, 6th 2026 update on this? Thank You.

GenoM · March 6

My problem is resolved. By updating individual accounts, I narrowed the issue to Fidelity. I have a Fidelity account and so does my wife. Her Fidelity account is tracked in a separate Quicken instance and does not have a Quicken connection. However when I terminated the Quicken connection to my Fidelity account, the problem went away. Truth is stranger than fiction…

DPTrainor · March 8

What is status of Bank of America issue??? Due to the long delay, I am considering changing to a New bank so I can get Quicken to work again. Shame that the largest bank in the USA can't talk with Quicken.

Quicken Laura · March 8

Hi everyone,

Thank you for sharing your solution, @GenoM; that’s an interesting workaround and may help other users experiencing the same issue. We really appreciate the patience everyone has shown regarding the “User Not Eligible” – Bank of America issue.

At this time, the latest update is that the issue is related to Bank of America’s consent flow, and we are still waiting for a resolution from their side. Unfortunately, there is no ETA available at the moment.

You can continue to check for updates through the Community Alert that was provided previously.

Thank you again for your patience and understanding!

DPTrainor · March 8

"The issue is related to

Bank of America’s consent flow

, and we are still waiting for a resolution from their side. Unfortunately, there is no ETA available at the moment."

They have NO Incentive to resolve. It is not in their interest to do so. That is the problem. If it was a merely a technical problem it would have been fixed in less than 24 hours.

Axel Foley · March 10

Is there a March, 10th 2026 update on this?

Unfortunately, when there is no ETA available, then that means that we are hosed and neither side has an active action(s) working to resolve this.

Quicken Laura · March 10

Hi everyone,

Thank you for your patience while our team continues to work on this issue.

At this time, there are no new updates or an ETA for resolution. For the latest information, please refer to the alert shared in the previous post and consider bookmarking it to be notified when new updates become available.

We truly appreciate your patience and understanding while this is being worked on.

DPTrainor · March 11

Is there any explanation as to the delay? And also is there any escalation path? Thank you for your attention to this matter.

Axel Foley · March 11

I would like to know the March 11th status. Several days have elapsed without a viable action plan or advanced results. Where exactly does this matter reside currently and at which stage? Thanks for your attention to this issue, however I believe that it needs to be elavated to the top.

Quicken Laura · March 11

Hello everyone,

Thank you for your continued patience while we work toward a resolution.

At this time, there are no new updates to share. The issue is still ongoing, and our team is actively working to resolve it as quickly as possible.

If you are experiencing this error and have already tried the steps provided in the previous post, we recommend waiting for the fix and referring to the open Community Alert for the latest updates.

We truly appreciate your patience and understanding.

Axel Foley · March 12

Today is March 12th. I have updated my Quicken for Mac app and the "User Not Eligible" issue STILL persists. Just wanted to inform that updating the app did NOT resolve the issue. Thanks.

Quicken Laura · March 12

Hi @Axel Foley,

Thank you for taking the time to report that the latest update did not resolve the issue; we truly appreciate the feedback.

At this time, the issue is still ongoing and there are no new updates to share yet. We sincerely appreciate everyone’s patience while the team continues working to resolve the connection problem.

As a quick reminder, if you haven’t already tried these steps, they have worked for some customers:

If the accounts are joint accounts, try connecting using the primary account holder’s credentials.
If that is not possible, during the reauthorization process try selecting one account at a time instead of authorizing multiple accounts at once.

You can continue to check for updates through the Community Alert

Thank you again for your continued patience, and please feel free to share any updates from your end.

DPTrainor · March 14

March 14, 2026: I get the following error message: $app_build_number: 805.60122.100

HELP!!!

subscriber: Subscribed
syncNewAccounts: 1
system_appearance: auto
systemTimeZone: America/New_York (EDT)
tier: Premier
tier_country: US

errors count: 1

error #1
level: 4 (Debug = 0, Critical = 6)

description:
add account error

suggestion:
Try again later.

system description:
institution login: can't set up (can't sign-in)

FI name: Bank of America

request:
{
"cpSetupMode" : "OAUTH_PRE_DISCOVERY",
"institutionId" : "526887812704114945",
"channel" : "FDP_WSI_OAUTH",
"includeInvestmentAccounts" : false,
…
}

response:
{
"code" : 200,
"resource" : {
"status" : "ACCEPTED_POLLING_REQUIRED",
"pollingReference" : "/institution-logins/529682110542538240/poll",
"partnerAuthUrl" : "https://partnerauth.platform.intuit.com/external_partner/auth?request_token=awb.740c5602-4d96-4cdb-aae6-45f83afeefe3",
"id" : "529682110542538240",
"resource" : {
"id" : "529682110542538240",
"includeInvestmentAccounts" : false,
…
"userModifiedAt" : "2026-03-15T02:39:00Z",
"channel" : "FDP_WSI_OAUTH",
"modifiedAt" : "2026-03-15T02:39:00.438866437Z",
"dbVersion" : 0,
"cpInstitutionId" : "621b9e90-8323-4506-9e68-e38167505d96",
"brandingId" : "71659",
"aggregators" : [
{
"cpChannel" : "FDP_WSI_OAUTH",
"lastStatusUpdatedAt" : "2026-03-15T02:39:00.420549318Z",
"aggStatus" : "NEW"
}
],
"createdAt" : "2026-03-15T02:39:00.423761313Z",
"institutionId" : "526887812704114945",
"name" : "Bank of America"
},
…
}
}

pollResponse:
{
"status" : "PRE_DISCOVERY_FAILED",
"aggregators" : [
{
"cpAggStatusCode" : "user_not_eligible",
"isProcessing" : false,
"cpAggStatusDetail" : "user_not_eligible Connecting with partnerUid: bofa_fdx_consumer_prod for intuitProperty: quicken, … on user authorization, error_code: server_error"
}
],
"isProcessing" : false
}

Quicken Laura · March 15

Hi @DPTrainor,

Thank you for reporting what you are seeing.

The error message you attached is related to the ongoing issue. If you have already tried the suggested troubleshooting steps, I recommend contacting Quicken Support for further assistance.

You may also want to bookmark this Community alert so you can receive updates as new information becomes available.

Thank you, everyone, for your patience while we work toward a resolution.

DPTrainor · March 15

Thank You Laura. I have tried the suggested troubleshooting steps and also contacted Quicken Support several times. No Joy. Best Regards, Dan

MatthewClark · March 16

In case it's helpful for troubleshooting… My Quicken file contains a mix of joint accounts with my spouse and individual accounts for each of us. On the BofA front, everything was working fine (both of us had already given Quicken permission to download from BofA). This weekend BofA was doing some sort of update on the credit card side of the bank and given that I expected that my spouse's BofA credit card would be briefly unavailable. But after that update, when trying to download, I was informed we needed to reauthorize that account. I've tried multiple times and continue to get the "user not eligible" error. All of our joint BofA banking accounts continue to work fine. So wonder if BofA's weekend update has messed things up in a new way…

Axel Foley · March 16

This has been going on for over two weeks now for me. I only have one credit card account with B of A. I am the only account holder. No joint accounts.

This is frustrating because there are no specific reasons provided for this issue. Also, there are no estimated resolution dates provided. Not sure who is working with whom to resolve this, and there is no progress report.

[Edited Readability]

Mike Schuster · March 16

I agree, 2 weeks without any progress (as far as we know) for a connection to a major institution is unacceptable. It is a big part of what we are paying for this service. After two weeks, there should at least be an ETA if someone is actually working on it.

[Edited Readability]

Quicken Laura · March 16

Hi everyone,

Thank you for taking the time to share your experiences while attempting to connect to Bank of America.

This issue is still ongoing; however, you may try the following steps, which have helped some users:

If the accounts are joint accounts, please try connecting using the primary account holder’s credentials.
If that is not possible, during the reauthorization process, try selecting one account at a time instead of authorizing multiple accounts simultaneously.

If the issue persists after trying these steps, I recommend contacting Quicken Support for further assistance if you have not done so already.

For the latest updates, please bookmark the Community Alert related to this issue so you can be notified when new information becomes available.

We truly appreciate your patience and understanding while our teams continue working toward a resolution.

DPTrainor · March 17

March 17, 2026 I called Quicken Support yet again. They don't have a resolution or an ETA. It has been exactly 3 weeks (21 days) total where users are unable to access their Bank of America accounts. I have notifications on and will be documenting downtime (in days) moving forward and also escalating in effort of reaching Intuit management hopefully at a Director or VP level. I will report back after I get to the bottom of this. I will check in here daily for any leads others have. Best Regards, Dan

Error: user_not_eligible

Quicken Laura · March 19

Hello everyone,

Thank you for your continued patience while we work toward a resolution.

At this time, there are no new updates to share. The issue is still ongoing, and our team is actively working to resolve it.

For the latest information, please refer to the Community Alert.

We truly appreciate your patience and understanding. Please feel free to reach out if you have any questions in the meantime.

Axel Foley · March 19

March 19th. No resolution. I am now collecting downtime data as well. Bank of America is my primary institution and this is now affecting my efficiency and productivity. Frustration continues due to constantly reading standard replies without a published specific plan to resolution (from Quicken).

FYI - "Our team is actively working to resolve it" response is not adequate for 3 weeks straight. We need to know progress and specifics at this point.

Bank of America - User not eligible

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