tag:infinitekind.tenderapp.com,2009-01-14:/discussions/online-banking/11687-a-personal-update-on-the-situation-with-td-bankInfinite Kind: Discussion 2019-04-09T16:30:26Ztag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-25T20:07:34Z2018-12-25T20:07:34ZA personal update on the situation with TD Bank<div><p>I'm a fellow user.</p>
<p>Even though Direct connect is an open standard I think it is possible that TD bank is using the extended data that Quicken specifies to effectively stop any other application being used, they could even be validating that data against the Quicken server as I believe is done with Web connect, to ensure your are a Quicken customer.</p>
<p>If they are doing that they are saying to use application banking with us you must use Quicken, at the same time I do not see a way of validating that this is what they are doing, if the servers just fail to respond to Moneydance OFX requests I do not think there is a way through that. Any suggestion that this type of thing is done for "security" reasons I would also find highly suspect.</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-25T23:08:06Z2018-12-25T23:08:06ZA personal update on the situation with TD Bank<div><p>dwg,</p>
<p>Can you break apart your post? It's difficult to understand what you're trying to say. The only part I really got was your last sentence.</p>
<p>In a previous conversation from back in August, TD Bank said currently supported versions of Quicken will work. I don't find this suspect at all. I wouldn't recommend directly accessing financial data at an institution with an old, unsupported, less secure application from any publisher be it a personal finance app, web browser, etc.</p>
<p>I like TD Bank and they've done right by me for nearly a decade. I cannot say the same for Infinite Kind when it comes to Moneydance. I would choose TD Bank over Infinite Kind and Moneydance without hesitation, which is why I'm switching to a different personal finance application.</p>
<p>FWIW, Igg Software seems to have found a way to allow Banktivity to download transactions from TD Bank. <a href="https://www.iggsoftware.com/support/articles/ibank-5/td-bank-has-suspended-ofx-direct-connect/">https://www.iggsoftware.com/support/articles/ibank-5/td-bank-has-suspended-ofx-direct-connect/</a></p>
<p>Although I had planned to move to Quicken 2017, Banktivity is now under consideration.</p>
<p>Robert</p></div>zrobtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-25T23:45:53Z2018-12-25T23:45:53ZA personal update on the situation with TD Bank<div><p>Robert,</p>
<p>The OFX specification has the ability for vendors to make vendor specific extensions, what I'm wondering is if TD bank are using the Quicken specific extensions to effectively lock others out, or at least attempt to, but under the guise of it being a security enhancement, i.e. not only do you have to use your bank Username/password but we validate that you are a registered (Quicken) User, but I do not see a way to test this as it would need access to the server to see what it is doing. It's a hypothesis but given the way the server seems to be responding or not responding to Moneydance at times makes me wonder.</p>
<p>I moved to Moneydance from Reckon because of the Attitude, policies and actions of Reckon</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-26T00:26:14Z2018-12-26T01:05:57ZA personal update on the situation with TD Bank<div><p>dwg,</p>
<p>Thank you for your initial response and your clarification. TD Bank specifically said you needed to have a Quicken created profile from a currently supported version of Quicken in their system, otherwise you couldn't use the download features. They have a listed of supported versions.</p>
<p>I suspect that is part of the problem. No profile, no downloading of transactions. I've had the necessary profile at TD Bank for a couple of months. Prior to moving to the latest flavor of Moneydance 2017, attempts to download transactions always produced an error. That is no longer the case with the newest version of Moneydance.</p>
<p>IK modified/fixed issues with OFX. Maybe in doing this, they made progress towards resolving the issue with TD Bank, which is why I posted about it even though I'm moving away from Moneydance.</p>
<p>Robert</p></div>zrobtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-26T00:47:14Z2018-12-26T00:47:14ZA personal update on the situation with TD Bank<div><p>Robert,</p>
<p>It all just provides more justification for TIK to continue to work on a system that can use the Bank's Internet Banking sites for downloads.</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552018-12-26T01:09:05Z2019-01-03T16:00:03ZA personal update on the situation with TD Bank<div><p>dwg,</p>
<p>You mentioned you moved from Reckon to Moneydance "because of the Attitude, policies and actions of Reckon". These are the same reasons I'm moving from Moneydance to a different application. I'll gladly provide you a list fo the issue but not in this thread. This is focused on the online banking issues with Moneydance, which is just one of the problems. I don't want to muddle this post with the other issues.</p>
<p>Robert</p></div>zrobtag:infinitekind.tenderapp.com,2009-01-14:Comment/467114552019-01-08T16:20:52Z2019-01-08T16:20:52ZA personal update on the situation with TD Bank<div><p>Hi Rob,<br>
Thank you for looking into this in such detail and I am very sorry that we were so bad at acknowledging and responding to your messages, especially about this issue. I completely understand the need to use personal finance software with responsive customer support.</p>
<p>I'll add the information you gathered to a KB article about connecting to TD Bank so that it might help others.</p>
<p>All the best,</p></div>Sean Reilly