Fidelity Access
If I understand correctly Fidelity is replacing use of direct connect / OFX protocol with a new protocol referred to as "Fidelity Access". From what I can see Moneydance (and Quicken) do not (yet?) support this new protocol.
This is important in that Fidelity has indicated the continued use of MoneyDance then violates their lost funds replacement guarantee due to use of nonapproved 3rd party. Note that their use of term "3rd Party" seems different than infinitekind.
I note that Vanguard has also stopped use of OFX and does not seem to have a replacement intent. Have to use downloads by account.
Can anyone at Moneydance provide current status of this? Will Moneydance be updated to support Fidelity Access?
Showing page 16 out of 16. View the first page
Keyboard shortcuts
Generic
| ? | Show this help |
|---|---|
| ESC | Blurs the current field |
Comment Form
| r | Focus the comment reply box |
|---|---|
| ^ + ↩ | Submit the comment |
You can use Command ⌘ instead of Control ^ on Mac
451 Posted by richardtaylor on 02 May, 2026 03:21 PM
Thanks for the update Sean, you are showing grace under fire. I would just like to add a voice for moving Fidelity up in the roadmap. This is a loss of functionality, not an added feature and with over 40 million users, I'm guessing this effects a large share of your user base.
452 Posted by dtd on 02 May, 2026 06:48 PM
@mmd - just downloaded my April set of transactions from my accounts at Fidelity investment and used your extension to import into Moneydance. Took about 2-3 minutes to do everything.
re Sean's comment: "I would be happy to help with @mmd's extension as a short term fix for the problem with Fidelity, but I would need to get up to speed on how it works."
Give me a shout on slack to discuss how to engage Sean to make your extension an official one.
453 Posted by mmd on 02 May, 2026 09:19 PM
@dtd replied to your message, thanks for your attention to this goal and glad you had a great experience so far!
454 Posted by biozom on 09 May, 2026 02:15 PM
"Plaid Bank Connectivity Issues" https://help.aura.com/s/article/plaid-bank-connectivity-issues
not a lot of details about issues but at least they're acknowledged/known and published by somebody out there
455 Posted by David on 09 May, 2026 03:53 PM
Question about the extension. I managed to get it to work last month — but now when I try again, I get an error message that my account is not found. Nothing has changed in my MD setup, and when I inspect the CSV file, it seems to have the same columns including the same account number as always. Any suggestions?
456 Posted by dtd on 09 May, 2026 05:32 PM
It appears your account name and number in MD don't match what fidelity has. Don't know why given it worked and nothing changed. I'd look at what the message says and compare name and number carefully on both sides.
457 Posted by David on 09 May, 2026 06:22 PM
But the account name and number do match, and are exactly the same as in previous CSV downloads as well.
458 Posted by dtd on 09 May, 2026 06:46 PM
next thing, i'd think if anything else changed between last month and this month. are you using v13, and did you download all accounts vs one account, also if the above represents 4 accounts, do they now all not work?
459 Posted by Bob on 09 May, 2026 08:26 PM
I noticed the same thing about one of my account numbers no longer being recognized. It seemed to have started doing this around v10 or so, but it was only on my cash management account. This was actually a good thing for me because the extension doesn't handle merging so I have to use the 'CSV Importer' extension for the CMA. Back when account matching worked for the CMA in mmd's extension, I always had to delete the CMA transactions and re-import them with the 'CSV Importer' extension to get merging to work. Now that the account matching for the CMA no longer works, it saves me a step.
460 Posted by holden on 09 May, 2026 10:02 PM
@mmd - Thanks to you and everyone else who contributed to standing up this extension. It has been a life saver while waiting for a fully-integrated solution from IK.
FYI only, I made a local fork... My core holdings (SPAXX typically) have always been treated as cash in Moneydance, and I rarely (if ever) saw a reinvestment transaction on monthly interest/dividends. With the CSV export, I'm seeing a separate dividend reinvestment transaction every month for each of the accounts I'm tracking. Instead of manually filtering these from the CSV file, it was a straightforward edit to the extension to suppress these in a local forked copy.
461 Posted by David on 10 May, 2026 03:51 PM
Thank you for asking this question. I have two accounts (one personal and one an employer 401(K)). Highlighting the personal account, downloading, and importing it with the extension worked! Previously, I had not been highlighting the personal account, though the only transactions in the CSV file had been from that account nonetheless.
Thank you - problem solved (for now, anyway)
462 Posted by pete on 11 May, 2026 07:21 PM
Re SOC Type 2, big companies like to shift judgement-calls away from their own tens-of-thousands of worldwide-employees and towards binary ‘yes’ or ‘no’ determinations (e.g. checking-a-box, mandating SOC Type 2 for Plaid end-points).
Thus large, procedure-driven companies consider SOC Type 2 compliance (even WITH access to consumer data) superior to “the architecture doesn’t provide us access to consumer data” because the former includes controls verification and attestation thereof by a third party.
And while SOC Type 2 is hosting/cloud-oriented, there is some value for partners or customers of locally-run software like MD. E.g. verification or ‘testing’ of actively-managed controls on code-access and deployment thereof may reduce the chance of the software being altered by a non-employee actor (or past employee or partner) in a way that DOES provide access end-user data / comprises user data security.
That typed / In defense of IK:
I used to work for Fidelity-sized company and I often worked with IK-sized partners. Getting SOC Type 2 compliance in place for a small Co is a big deal. It can take 6 months to a year. And the steps involved can be a major ~distraction as there can be a lot of items that don’t seem relevant - Cos read them, get worked-up (‘not relevant!), and then work through how to address (physical access is a common one). And you need to pay a third party to complete the auditing/testing/reporting (and then keep doing it). For a small company focused on 1 or 2 ~niche services the $ cost of the report may rival most other third-party costs and not appear to add much value other that “permission to integrate” with some giant-and-demanding ~partner.
463 Posted by pete on 11 May, 2026 07:21 PM
Back to Fidelity…so let’s say I personally understand the SOC Type 2 demand for Plaid end-points, given my above post. I don’t understand Fidelity’s complete elimination of OFX download when they still support CSV.
At best it seems overly draconian and certain to incentivize work-around consumer behavior WORSE than whatever would happen otherwise.
So in my case, I’ve been moving away from Fidelity the past couple of months; I just completed ‘catching-up’ the past three months of Fidelity transactions and don’t expect doing it at that level again.
The reality is - for me - Fidelity is easier to replace than Moneydance.