USAA have stopped supporting Direct Connect in July 2023

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19 May, 2023 07:17 AM

just a user - OFX appears to be a dying breed.

EDIT: UPDATE, as of July 4, 2023, it appears that USAA has shut down their Quicken access id system. That would render the current Moneydance OFX direct connect as useless.

If you wish to verify this or deny it, please post, as this is data based on only two days observation...

Over two years ago, USAA "changed" OFX to particularly support Quicken. Stuart Beesley fixed the issue, I documented it.

So, two years. It was an indication that things were changing. MD+ was introduced and so on.

So, today, a simple question - is USAA (via OFX and the change profile) still working for you?

Mine works - sort of. I have to go to and say "I approve!" and it stops the Error 2000 (Error general id - which basically means nothing) for - about two hours or so.

Other insights? I think we are near the end for USAA OFX.

  1. 1 Posted by Mike on 19 May, 2023 02:03 PM

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    Sadly, I have the same problem or worse. When I visit "" and click on the 'Allow' box (bright green in color), it changes to a faint green color and never changes or refreshes the window as if it it hung up. This happens with both Chrome and Firefox browsers.

    Attempting to repeat configuring online services choosing both the USAA Federal Bank profile OR the Python script previously used does not work anymore for my use.

    When I visit USAA and my profile page, it shows " You do not have any connected apps. ". However, I never noticed in the past when OFX was working what if anything was listed.

    I'd love to know if anyone has a solution. I've given up calling and emailing USAA about this issue from past experiences regarding MoneyDance and OFX connections.


  2. 2 Posted by Mike on 19 May, 2023 03:21 PM

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    Update: Approximately 30 minutes later, my USAA transactions are downloading.

    Hopefully, this was only a 'hickup' on the USAA side.

    BTW: my USAA profile is now showing a "Quicken Direct Connect" application under Connected Apps.

  3. 3 Posted by dtd on 19 May, 2023 09:29 PM

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    My question now - is the change sticking? I can move from a 2000 error to it working, but it lasts only about 2-3 hours before returning to a 2000 error.

    I didn't need to "redo" the OFX connection, I just saw it was failing, and given my knowledge from documenting most of this issue from 2 years ago, I ascertained this might be the only way to restore the connection. If it "stuck", it would be ok, but the fact it continues to "unstick" makes me think another change has been made to specify "Quicken only". [Probably the EWC+ replacement, and OFX will eventually totally go away, but I'm not privy to any of that.]

  4. 4 Posted by Mike M on 19 May, 2023 11:35 PM

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    Greetings DTD,

    I just started MoneyDance and the USAA Savings account download was
    interrupted with a prompt for my PIN used by the python script.

    I entered my PIN and the download transactions completed.

    I immediately logged into USAA via my Firefox browser and checked my
    security preferences and the web page still showed "Quicken Direct Connect"
    as a connected application.

    So it seems that the configuration settings are not being saved or somehow
    being challenged or expired by USAA?

    Hope this helps and that the OFX issues goes away. I'm not certain as I've
    come across conflicting internet information regarding whether MoneyDance+
    (Plaid Link interface) works or doesn't work with USAA. So I havn't tested
    that option.

    Hope this helps,

    On Fri, May 19, 2023 at 4:29 PM dtd <[email blocked]> wrote:

  5. 5 Posted by dtd on 20 May, 2023 03:02 AM

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    I now have USAA connected to Moneydance using BOTH OFX and MD+...

    OFX still will not "stick", but it works when I do it yet again (you should see my USAA message box at this point)

    MD+ (Plaid) also works once you do the same type of 3rd party permission. We'll see if that one sticks (I just did it in the last 30 minutes)... the only issue here was the hundreds of transactions downloaded, but the auto merge feature yielded only two discrepancies, which were easily fixed.

    The issue of using both (or back and forth) is of course the fitid numbers are different, so when using both, they sort of overwrite each other (i.e. a confirmed transaction becomes unconfirmed)

    Also, I made Plaid a 3rd party permission, then I readded (again) Quicken. Both work at the moment, but only Plaid shows in the permissions at USAA (I guess they think there will never be more than one?)

    Continuing to explore - having spent so much time on this with Stuart two years ago, I guess I'm still addicted.

    Oh, if you DO set up both - use the Download button at the top left while in the account, and it shows both download methods. (If you just do the download all - it always defaults to OFX)

  6. 6 Posted by dtd on 20 May, 2023 03:21 AM

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    Logging out and in again to USAA now shows both Quicken and Plaid... we'll see how long it lasts (hopefully forever, but we will see)

  7. 7 Posted by Mike M on 20 May, 2023 02:13 PM

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    Good morning DTD,

    Thank you for your messages.

    I just started MoneyDance and it automatically downloaded all my accounts
    including USAA with no interruptions or prompts / dialog boxes from the
    python script for any userid and password values. Also no error code 2000
    message generated.

    Hopefully things stay this way :)

    Best wishes,

    On Fri, May 19, 2023 at 10:20 PM dtd <[email blocked]>

  8. 8 Posted by dtd on 20 May, 2023 08:06 PM

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    Interesting. Can you describe in more detail what you did in the disable and reset for the Toolbox script? (posts 1 and 2)

    I'm wondering if USAA put a strange key or something and you managed to grab it in the reset. I'm tempted to try some resets, to see if the permission setting gets made permanent somehow. I did go far enough to note that the client_id has not changed, which is why activating permissions fixes downloads [for me, only for a few hours]

    Could you go look at your permission settings (connected apps) to see if it still lists Quicken (I know, yours is working), but I set up Plaid with USAA yesterday and today BOTH permission settings are gone, but Plaid continues to work/download with USAA.

    Thanks for helping me diagnose.

  9. 9 Posted by Mike M on 20 May, 2023 08:57 PM

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    Greetings DTD,

    I wouldn't say that I did any disable and reset. Rather, I did a "refresh"
    from within the Online Banking Service pop-up window (error 2000 still
    continued afterwards). Then I selected my USAA Savings account again
    within MoneyDance / Online menu bar selection / Set Up Online Banking /
    Select CHANGE (see screen capture as attached file).

    Screenshot from 202023-05-20 2015-32-46.png

    [image: image.png]

    Select "Connect to OFX Service" / select USAA Federal Savings Bank entry /
    Next / Verify that USAA SAVINGS account was listed and click on Next /
    Enter my USAA customer ID and click Next........note that I stop going
    though the remaining steps for this e-mail but did continue all the way

    Screenshot from 202023-05-20 2015-48-26.png

    USAA still shows a Quicken Direct Connection for a Connected Apps:
    [image: image.png]
    Glad to help you!

    Best wishes,

    On Sat, May 20, 2023 at 3:06 PM dtd <[email blocked]> wrote:

  10. 10 Posted by dtd on 20 May, 2023 09:09 PM

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    Thanks for the detail. Now I have to ponder why my "connected apps" keep disappearing and yours continue to connect.

    Glad yours continues to work.

    Hopefully, I can figure this out, my last ditch bit would be to call USAA, tell them I'm connecting with Quicken, but the permissions keep going away.... I'll probably know more than they will if I get to that point.

  11. 11 Posted by Mike M on 20 May, 2023 09:21 PM

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    Hello DTD,

    Yes, I do agree with your approach to USAA customer / technical service if
    you find anyone knowledgeable (good luck....).

    Aside: USAA back-end computers may need some time to process any changes
    you make from MoneyDance. It took me a good 1/2 hour before I could
    download or connect to USAA without any problem. So they must have some
    "refresh cycle" for any changes made by their members to become effective.

    I imaging that you have waited more than 30 minutes to see if any changes a mystery remains.

    Good luck and God Bless your determination and pursuit for a solution and
    greater understanding of the USAA and MoneyDance conflicts.


    On Sat, May 20, 2023 at 4:09 PM dtd <[email blocked]> wrote:

  12. 12 Posted by dtd on 20 May, 2023 11:14 PM

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    Continuing to explore - my account may be in a different state than your account as USAA transitions.

    This does not look good, especially if you read between the lines.

  13. 13 Posted by dwg on 20 May, 2023 11:42 PM

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    I do not think you even need to read between the lines dtd. I take it to mean they are going to use FDX which uses tokens. It is a very short step from that to only allowing aggregators to be granted tokens. EWC/EWC+ is an aggregator i.e Intuit.

  14. 14 Posted by Mike M on 21 May, 2023 12:11 AM

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    Oh bummer! I agree the USAA changes are not welcomed.

    I visited PLAID at:

    And used "USAA" and "EWC+" as separate search terms and received no hits!
    Near as I can tell is that the PLAID service isn't supporting the EWC+
    connection method at this time.

    I won't cancel my USAA banking relationship and sadly will have to consider
    using the Intuit "SimpliFi" product as it is web based (I primarily use
    Linux for my desktop).

    Alternately perform manual transaction entries as I do not trust 3rd party
    aggregators and pay for the convenience.

    What a mess.

    Thanks for the link providing me with more insight. Now, I can just wait
    for when USAA stops letting my account use the current direct


    On Sat, May 20, 2023 at 6:14 PM dtd <[email blocked]> wrote:

  15. 15 Posted by dtd on 21 May, 2023 12:56 AM

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  16. 16 Posted by dtd on 21 May, 2023 01:10 AM

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    As dwg said, EWC+ is a Quicken specific protocol (as they are an aggregator), (no longer owned by Intuit).

    As to Plaid/MD+, they work with USAA (just did that to check), and probably will be able to get the newer FDX token system. Still, yes - 3rd party, pay to play. That's where everyone "wants you to be". MD, not so much, but they have to stay viable.

    Hope you don't get switched over anytime soon!

  17. 17 Posted by Mike M on 21 May, 2023 01:32 AM

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    All concerned,

    Thank you for the clarifications! Glad to know that MoneyDance and Plaid
    are currently working with USAA.

    Guess, I should upgrade to MoneyDance+ to head off forthcoming USAA access
    issues for transaction downloads.


    On Sat, May 20, 2023 at 8:09 PM dtd <[email blocked]> wrote:

  18. 18 Posted by dtd on 21 May, 2023 01:48 AM

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    Good luck Mike. If you do so, please be aware of the duplicates issue as the FITID numbers will be different... it was easy for me as I have the automerge preference turned on. (Two fixes).

  19. 19 Posted by dtd on 21 May, 2023 01:49 AM

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    I had to move to MD+ a while back given Schwab and Chase abandoning OFX.

    But I keep OFX as long as I can, as it is immediate, whereas with Plaid/MD+ there can be a few days delay.

  20. 20 Posted by Mark J on 23 May, 2023 11:04 AM

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    dtd, thanks for reminding me about the accessid! Got rid of error 2000, but I'll see how long that lasts. MIght be time for me to finally switch all the way to MD+ (which I use for all accounts except USAA).

  21. 21 Posted by dtd on 31 May, 2023 09:34 PM

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    just a user
    @MarkJ and @Mike M

    Is USAA still working reliably for you at this time?

  22. 22 Posted by rdmyers.42 on 31 May, 2023 09:59 PM

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    I checked back a couple of hours later,, and it worked then

    On 5/31/23 17:35, dtd wrote:

  23. 23 Posted by Mike M on 01 Jun, 2023 01:03 AM

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    I don't have any new transactions to download however MoneyDance+ (using
    Plaid) with USAA download process is working (ie. checking for new
    transactions) without any errors.


    On Wed, May 31, 2023 at 4:35 PM dtd <[email blocked]> wrote:

  24. 24 Posted by Mark J on 15 Jun, 2023 10:04 AM

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    @dtd, a couple of weeks later, USAA seems to be intermittent. When it fails with the "General Error", I can immediately fix it by going to the accessid web page and clicking Accept. However, even if I don't do that, if I try again in a few hours or days, sometimes it is working again on it's own. No rhyme or reason that I can see to it.

  25. 25 Posted by dtd on 15 Jun, 2023 06:09 PM

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    just a user - @MarkJ - that's my current state as well. It's on again, off again, but I also use the accessid "fix" when I want my downloads "now"....

  26. 26 Posted by dtd on 04 Jul, 2023 08:52 PM

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    USAA stopped working for me either yesterday or today.

    Even using the "accessid" permission bit didn't work.

    I don't even get the 2000 error, just "downloading USAA" and then MD moves to the next one. A console view seems to show a norobots bit, and then a null download.

    Anyone else still have USAA working? I'll keep trying, but this sounds like a death knell, at least for me.

  27. 27 Posted by jk on 05 Jul, 2023 09:09 PM

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    dtd, I have the same problem. No error messages. Just nothing downloads. My profile shows Quicken Direct Connect as a connected app. But nothing.

    I'm on the phone with chat now, and I am told that the access id and access pin no longer will work as a connection method.

    But I can't even download manually a file now other than a CSV file. They appear to have removed all options other than CSV for a manual download.

  28. 28 Posted by jk on 05 Jul, 2023 09:22 PM

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    I have asked chat support why USAA is removing even the QFX file as a manual download option, thereby leaving a huge installed user base high and dry unless they choose to go with one of the newer services.

    I refuse to use anything that uses Plaid or a similar third party service that I do not trust.

    I may have to just switch my main banking away from USAA, unless Moneydance comes up with a different work around.

  29. 29 Posted by jk on 05 Jul, 2023 09:31 PM

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    Per the agent helping me:

    "Quicken Online and Quicken Desktop are updating their data connections to USAA to use USAA’s secure Open Banking API. Quicken has named this new connection method Express Web Connect+ (EWC+). Members will be prompted to update their connection once that change occurs."

  30. 30 Posted by dtd on 05 Jul, 2023 10:50 PM

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    just a user - as the person who documented Stuart's (and hleofxquotes) workaround two years ago, I can at least say we saw this coming. Surprised it lasted over two years honestly, as the writing was on the wall that your agent quote:

    "Quicken Online and Quicken Desktop are updating their data connections to USAA to use USAA’s secure Open Banking API. Quicken has named this new connection method Express Web Connect+ (EWC+). Members will be prompted to update their connection once that change occurs."

    was exactly what was going to happen. You can't workaround something that no longer exists.

    As for OFX/QFX manual downloads, either USAA never had them, or got rid of them about two years ago. (Same for Schwab - they never had them, which is even more frustrating given CSV is useless for financial accounts)

    Given you won't be using an aggregator (like MD+), your only alternative is to download manual CSV, then use the CSV import extension (the one where you can save settings) into your bank or credit card USAA accounts... Or to move your main banking away of course.

    So I guess, the new workaround is what I just said in the last paragraph. (i.e. manual CSV and import).

    Hope that helps.
    I think this may be the beginning of verification that USAA downloads are now "really dead" instead of on a Toolbox life support method.

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