Overview
We’re always working to keep your bank connections consistent and reliable in Quicken Simplifi. However, you may still encounter an occasional error that requires extra steps or time to resolve. To help, we’ve compiled a list of the most common banking errors and their possible resolutions so you can quickly get back on track.
Before Troubleshooting
Before troubleshooting, check out our community to see if the error you are encountering has already been reported and is being worked on!
Note: You may encounter a connection error while trying to connect to smaller banks, such as a credit union, over the weekends due to limited aggregation.
Top Bank Connectivity Errors
Error Message "We are unable to connect to [BANK NAME] at this time."
This error message indicates we are unable to connect to your bank due to either the selected bank throttling connection traffic, a bank website outage, the URL used to connect being unavailable, or the selected bank performing maintenance on its servers.
The following errors can appear with this message:
Care Code: 101, 102, 104, 105, 155, to.100, 530, 579, or others
Error(s): FI_TIMEOUT, FI_WEBSITE_UNAVAILABLE, FI_BLOCKING, or others
While you may be able to log into your bank’s website successfully, you’ll still receive this error due to Quicken Simplifi connecting to a different server.
What causes this error?
Error 155: You will receive this error when we are not able to connect with your bank due to your bank blocking our connection attempt. We are not able to troubleshoot this error.
Error code 530 indicates there was an unexpected error when connecting to our service provider.
Error code 579 indicates data from your bank's website has either been removed or is not being sent during your connection attempt.
For American Express users: American Express limits connectivity to avoid excessive server traffic.
A 102/105 error may occur during high-traffic times. American Express typically blocks our connection on Mondays. It's recommended that you try updating at a later time.
For Vanguard users: We currently have a known issue with Vanguard blocking connection traffic during peak hours.
Our team is actively working to alleviate the downtime. In the meantime, we suggest trying to add/update your account(s) outside of peak hours or over the weekend.
For Morgan Stanley users: Morgan Stanley has a third-party authorization setting that needs to be enabled on their website for third-party access.
If third-party access is not enabled, you may receive error codes such as FDP-101, FDP-105, or other various error codes.
For HealthEquity users: If you are attempting to add your HealthEquity account before 9 AM PST, you may receive the FDP-102 error code.
Wait until after 9 AM PST and then try to connect the HealthEquity account again.
Below is a list of the most common errors you might see when downloading transactions in Quicken Simplifi. If you click on any error in the list, you’ll be taken to a full help article just for that issue, with more details about what it means and step-by-step instructions to help you fix it.
Bank Specific Troubleshooting
Acorns
Acorns
We do not support the "Later" account type. Investment accounts are not available to connect to Quicken Simplifi.
ADP
ADP
We do not support "Payroll" account types.
AllyBank
AllyBank
We do not support transactional downloads for Credit Card accounts. This is a limit on the bank's end.
Ascensus
Ascensus
Ascensus may return a persistent FDP-102 error in Quicken Simplifi. If you experience this error, please try the bank option listed as Plan Administrators, Inc. This option seems to allow users to connect their Ascensus accounts with no issue!
American Express
American Express
While this is not common, some users experience an issue with their payees downloading incorrectly from American Express, and a manual adjustment is required to fix the payee.
Capital One
Capital One
Depending on your account type, you'll need different Capital One instances in Simplifi to add your accounts. For example, if you have a checking account, you'll select Capital One 360. However, if you only have a credit card, you'll choose Capital One Card Services.
After signing in to the Capital One secure window, you must select ALL your accounts when adding accounts. Then, you'll be able to choose which accounts to add or ignore in Simplifi.
Pending transactions do not download from Capital One.
Citizen's Bank
Citizen's Bank
For Credit Card accounts and Home Equity Line Of Credit (HELOC) accounts, we scrape the account balance opposite of what is shown on the bank's website, so a negative balance will show as positive. We also scrape the payments as positive and spending as negative for these types of accounts.
E*Trade (ETrade)
E*Trade (ETrade)
We do not support password+token MFA options for E*Trade accounts.
Fidelity
Fidelity
Fidelity HSA Accounts do NOT download transactions. This is due to HIPAA.Users will need to manually enter their Investment Transactions for these particular accounts in Quicken Simplifi.
If your Fidelity accounts experience a connection issue with the "Fidelity Inv & Retirement" option in Quicken Simplifi, you can disconnect them and then re-link them to the Finicity Fidelity option by following these steps:
Make all your Fidelity account(s) manual.
Once you have made the accounts manual, under Settings > Accounts, click on the +Account button in the upper right of the page to add and reconnect your account using the Fidelity Investments option under Finicity.
Carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.
Gemini
Gemini
At this time, Gemini only supports investment accounts in Quicken Simplifi. They plan to add support for credit card accounts down the road, but there is currently no ETA. Users will need to track their Gemini credit card accounts manually for the time being.
Mohela/Navient Student Loans
Mohela/Navient Student Loans
Users who had student loans through Navient that have been transferred to Mohela need to do the following to connect their accounts in Quicken Simplifi:
Use the 'Navient Loans' BID.
Use the Mohela credentials that were set up with Mohela directly after the loan transfer occurred.
The user will not be able to use the 'Mohela - Federal Student Aid' BID to connect these specific accounts. Instead, they should be able to continue using the Navient BID with the new Mohela credentials.
Path2College 529 Savings Plan
Path2College 529 Savings Plan
Path2College 529 Savings Plan may require you to manage your financial aggregator access on their website in order to connect through Quicken Simplifi. To do so, follow the steps below:
Log in to Path2College 529 Savings Plan's website.
Navigate to Profile & Documents.
Select Password & Security Features.
Select Manage Financial Aggregator Access.
TrailWest Bank
TrailWest Bank
TrailWest Bank offers a PIN-based login authentication method that Quicken Simplifi does not support at this time. To resolve this, you can choose "other authentication type" (MFA security question authentication) from the bank's MFA settings.
UBS
UBS
UBS requires enrollment into aggregator services to be able to establish a connection. If you're unable to add your accounts and are receiving invalid credentials, follow the steps below to enroll in this service:
Sign in to the UBS Bank website.
Go to Profile Settings.
Select enroll in aggregator services and then select Quicken/Simplifi.
UFB Direct
UFB Direct
UFB Direct bank products go through Axos Bank. We do not support external accounts for this financial institution.
USAA
USAA
When adding USAA accounts, you may be required to change your password on the bank's website. This is a requirement by USAA and cannot be bypassed if prompted. USAA does not support the download of pending transactions.
Other Error Codes
ACCOUNT_LOCKED
What causes this error?
If you're receiving this error, the bank has locked your account. The most common reason is that too many attempts to connect with invalid credentials have been made.
How can I resolve this error?
Allow the allotted time provided by the bank for the lock to be removed and try again. You may need to contact your bank directly if you continue to experience this error.
REAUTHENTICATION_REQUIRED
What causes this error?
This is a general error and requires re-authentication of your account.
How can I resolve this error?
You'll be prompted to re-authenticate your account by re-entering your credentials and completing any necessary MFAs.
If you receive any other error code or message that is not listed here, please get in touch with our support team through the Quicken Simplifi Help Center.