PNC Bank not downloading since February 23, 2026
Answers
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PNC(?) presumably fixed the issue. transactions are downloading again
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Wish that was true. Still not working.
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I left a comment a couple of days ago saying I was getting some recent transactions to download from PNC into quicken. Sadly, that stopped shortly after that post. Bummer.
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@Quicken Kristina - if you read my earlier post some accounts have some old transactions but not all. Actually very few of the old transactions. Some accounts have no old transactions. Seems though current transactions are coming thru the OSU, to the best of my knowledge. I will not be clearing my transactions manually and will wait for OSU to work. Not exactly sure how OSU works when downloading transactions but if we clear transaction manually and not from OSU will they still be downloaded? I would guess not as my experience with establishing Direct Connect for the 1st time, it only downloaded transactions that were not cleared in my register and not in my register (hence the Match and New). So I will be waiting for my missing cleared transactions to come thru OSU to make sure it is working. Today is day 11 since I opened my ticket with PNC and have not heard from them yet. I will be attempting to call them later. I don't see that anyone posting here has had any updates from PNC.
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Still not working. Moderator please provide an update.
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Well, I spoke too soon. Transactions are no longer downloading.
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Whether you manually clear/reconcile the old manual transactions now has no bearing at all on what PNC will download in the future. This is because each transaction that is downloaded has a unique ID but manually entered transactions lack that ID so Quicken will not know to filter out the downloaded transaction.
But if/when the old missing transactions eventually do download, manually clearing/reconciling the older manual transactions will prevent matching the newly downloaded transactions to the them. However this can usually be overcome by unclearing/unreconciling those manually cleared/reconciled transactions. This doesn't always work and when it does not then a decision needs to be made about which transaction is to be deleted….either the previously entered manual transaction or the newly downloaded transaction.
My experience with PNC over the last 5 months is that some PNC transactions that did not download were eventually downloaded but sometimes it was a couple of months before that happened. Other times, those PNC transactions never downloaded.
So, I learned to not hold my breath for them to perhaps download in the future. Instead, after about a week or so, I'll manually clear the manual entries and enter "Did not download" into the Memo field. That will allow me to then reconcile the account. And, if they do eventually download in the future, I'll know how to deal with them.
Quicken Classic Premier (US) Subscription: R66.23 on Windows 11 Home
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Are you getting an error code or message?
2 days ago you posted that you got a bunch of downloaded transactions. With PNC I've noticed that their DC, even when it works (like it is with me), is not always working well in that sometimes posted transactions can take longer than 1 day before they download into Quicken. I've noticed that sometimes there can be a 2-3 days delay between the posting date and the download date.
Quicken Classic Premier (US) Subscription: R66.23 on Windows 11 Home
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No error code. Nothing since the 17th. Called tech support (using the group ticket number) and was informed they were "working on it" and no solution is available. I actually thinking about 1) opeing a new bank account with another bank or 2)finding an alternate to Quicken. I'm open to suggestions on either solution.
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Well I just got my call from PNC for 1 of the tickets, she basically was just gathering more information and assigned my case to someone who has another 5-10 business days to call me. Same lady I dealt with in Oct/Nov that didn't get back to me until 1.5 months after the issue was fixed. Asked for information and this lady that called me today could give me none. Said she was Tier 4. I asked for supervisor and she said messaged send and it will take 1-2 business days for the superviso to call me. I am about to remove all 7 accounts with this bank! 5 of which I have had for close to 30 years and the other 2 for 20+ years. I am over this.
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@Nicholas Meier another bank would be better then another software as Quicken I think is the better of software out there for home/personal use. It is a PNC issue for sure because I have another bank for 1 of our accounts and it's Direct Connect is working just fine and it is a smaller local bank.
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I am not wondering since everyone is getting the run around with PNC if maybe it is time for everyone to look at other options to get PNC to do better on this issue. Like maybe calling local news media and reporting how they frankly don't seem to care and everyone is just following a script and processing each and everyones claim as it is something wrong with their own personal account. This lady who just called me was doing just that and had zero compassion or care for it. Hell I answered the phone she gave me her name and phone number all in 1 breath. I was like stop, maybe you should take a minute and ask if the person has a pen and paper available to write down your number. We are people not business IT sitting at a desk and even with that most profesionals may not have a pen and paper handy when they answer a phone call. UGH sorry I am just a little upset as we are going on close to 1 month. We need to do something. I am going to calm down today but 1st thing tomorrow morning I am calling PNC and doing a formal complaint with the highest person I can possible get….that is where I am starting.
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This is crazy. I was looking up places to file a complaint and CFPB looked like a good starting point. But, just make sure, I tried updating Quicken and PNC. I got downloads, but only POS, electronic bill pay, interest, but NOT a personal check that had cleared PNC. Although, I have the option to send online bill payments for each of my accounts, none of my bill pay accounts were activated on the Payment Accounts for Bill Pay Manager (Tools>account list>account>online services>quick bill manager>go to settings). So, I'm going to try to go through the verification process to see if that helps—-just have to wait for those mini-depositis.
Time will tell.
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No error code. Nothing since the 17th.
As I'd mentioned earlier, usually transactions do download 1-2 days after they post at PNC but it can sometimes take 3-4 days. It would be interesting to see if the missing transactions download sometime between now and Saturday.
2)finding an alternate to Quicken. I'm open to suggestions on either solution.
Of course this is always an option but you will be hard pressed to find an alternative software that is truly competitive with Quicken Classic in terms of features and capabilities. Still, if you wish to head down that path I would advise that you find some other forum to hold that discussion. Quicken Inc. owns this website and doesn't take kindly to we users discussing competitors products in it.
Quicken Classic Premier (US) Subscription: R66.23 on Windows 11 Home
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Just wanted to mention that with so many problems with Direct Connect, I stuck with Web Connect. However starting last week, Quicken no longer sees some of my accounts. The problems right now are bigger than Direct Connect. I've been in touch with PNC level 3 support, and they don't know what the problem is. I'm waiting for a call back. My help desk engineer at PNC did make a comment that internally it's fuzzy if they're going to continue to support Direct Connect.
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Well hopefully I will get some answers when the supervisor ends up calling me back. I also want to get to the bottom of the status of Direct Connect,as at least 2 people have said that PNC told them it's future was unclear. PNC 100% records every phone call. Cause my 1st phone call the 1st gentlemen I spoke with was not suppose to even talk about Quicken with me and made some statements that he shouldn't of and his supervisor was going to go back and review the tape of the call. I can't even understand why they would discontinue this service as they are a big bank and it is a poplular service. I just think that this still relates to the original issue of them switching online banking applications.
I researched who controls Direct Connect and this is the agency I found that I may start with on Monday as I have a busy day today -
Office of the Comptroller of the Currency (OCC)
If someone wants to look into the above that has time today for those of us who don't I am sure everyone would greatly appreciate that.
I got an update today as well from Quicken to 66.28 - no affect on any of my accounts.
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Good morning, @Quicken Kristina, on my part everything is ok once again. I did not have duplicates. Reconciling was perfect to the cent. thank you very much.
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Would you please identify which of @Quicken Kristina's posts helped you resolve the issue(s) you were experiencing? You can do this by clicking on "Yes" for "Did this answer the question?" directly below the applicable post(s).
Doing so will let others know that what helped you might help them as well.
Quicken Classic Premier (US) Subscription: R66.23 on Windows 11 Home
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Direct connect is an older technology. Most newer platforms are not using it in favor of other integrations. I am strongly considering switching to a new platform that uses different integrations to financial institutions. I need something reliable regardless if this is a PNC or Quicken issue.
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The latest API for financial data transfer is FDX and it is being widely phased in across financial institutions as the new industry standard since it was released about 3 yrs ago. Most of the larger banks have already largely implemented it.
The EWC+ connection method is Quicken's implementation of that protocol. PNC does offer the EWC+ connection method for those who do not wish to or need to have the DC connection method. At present EWC+ does not support Bank Bill Pay and have no insight into whether or not that functionality will at some time be added to it.
What many people do not understand is that the financial institutions that have implemented FDX with Intuit (Quicken's aggregator) and therefore with Quicken have also implemented that with every other aggregator that they work with. And for the most part they have eliminated using other protocols (with DC and WC sometimes being an exception).
From personal experience I can confirm that many of the issues being experienced in Quicken Classic with EWC+ are not unique to Quicken Classic. So, if one is thinking that moving to another financial planning ap/software to get away from the various EWC+ issues that pop up in Quicken Classic just be aware that one might just be jumping from one frying pan into another.
Regarding DC: For the most part with most financial institutions, DC is very reliable. The PNC issues with DC are an exception ever since they implemented a system upgrade at the end of Oct 2025. Prior to that PNC's DC was,, for the most part, very reliable as well.
If one wants to see which other banks support DC with Bank Bill Pay see this Support Article: . (Note: This list is a couple of years out of date and there are a few banks that do offer DC with Bank Bill Pay that are not currently included in this list. Two are Old National Bank and Wells Fargo (not just Wells Fargo Private Bank) which offers DC and Bank Bill Pay at no charge and my experience with both of these banks is that they have reliable DC. Another is US Bank but they charge a monthly fee of $3.95 (I think that is the fee they charge) but another SU has said their DC works well. Salem Five Bank also supports DC with Bank Bill Pay but I don't know whether or not they charge a monthly fee for that service. There might be a few others that are missing from this list. I will submit another request that this Support Article be updated.)
Quicken Classic Premier (US) Subscription: R66.23 on Windows 11 Home
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This is the second PNC Bank Direct Connect issue since November with Quicken. In my two cases, a Quicken update immediately preceeded the loss of Direct Connect function even though the bank continues to show the connect "enabled." PNC Bank users of Quicken for Bill Pay transactions and account download updates have been without the service from one week to nearly one month. It is time to get this fixed ASAP!
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PNC direct connect was rock solid for me for years. This all started with the PNC website upgrade.
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hanks for the detailed explanation — I appreciate the insight. I’ve been in IT for a long time, so I understand the tradeoffs and that no connection method is going to be perfect.
I also hear your point about potentially “jumping from one frying pan into another,” and that’s a fair concern.
What stands out to me is that the instability with PNC started after their platform upgrade months ago, and it still hasn’t been stabilized. At this point, it’s not just an isolated issue — it’s been ongoing for a while and has cost me a fair amount of time dealing with missing transactions, re-downloads, and cleanup.
If this truly is a PNC-side issue, I would expect Quicken to be more actively engaged with them, since it’s directly impacting their customer base. From a user perspective, the lack of a stable resolution over this period is concerning regardless of where the root cause sits.
At the same time, it does seem like there’s a broader industry shift toward API-based connectivity (FDX / EWC+). While Direct Connect isn’t officially going away, it feels like it’s no longer the primary focus of investment.
Given that, my thinking is that even if the newer connection methods aren’t perfect, they’re more likely to be stable over time simply because that’s where the investment and ongoing improvements are happening.
At this point I’m just trying to align with what’s going to be the most reliable in practice going forward, not just what has worked historically.
Given the current situation, it seems reasonable to expect that moving to those newer connection methods may result in better stability than what I’m experiencing today, even if they’re not perfect.
I’d also be interested in hearing from others — especially anyone who has switched to a different platform or connection method — whether you’ve actually seen better stability in practice.
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