No downloads from PNC direct connect since online banking upgrade over the weekend
Anybody else having this problem? I've been downloading transactions from my PNC checking account via Direct Connect since I got the account 3 years ago with no problems. Then there was maintenance over the weekend for a redesign of their online banking experience from Friday night until Sunday night. Now none of the transactions since then are downloading. I have a transaction on 10/27 and two on 10/30, none of them will download. There aren't any error messages returned. I pasted the console log below, with sensitive data X'd out. Interestingly, BALAMT shows my balance just before the maintenance, not my current balance. So I wonder if the connection is being made to old data, or something like that. I tried doing a Refresh in the Online Banking Service section and it didn't make a difference, still no downloads. I wasn't sure if I should try any of the other options, like Reset Sync Date or Change, or do a Disable and recreate the connection, or some Toolbox option. Or should I call PNC online support? Any suggestions? I'm running Moneydance 2024.4 (5253). Thanks.
------------------------
20251031-08:00:40.073 Online downloads (account: 'PNC Checking', service: 'PNC Bank - Direct Connect') started...
20251031-08:00:40.074 Log setting 'OFX' has been changed to: Enabled
20251031-08:00:40.127 Setting size of window dialog0 to location (787, 415) and size (347 x 250) on display \Display0 with bounds java.awt.Rectangle[x=0,y=0,width=1920,height=1080]
20251031-08:00:48.078 Sending message to https://www.oasis.cfree.com/test.ofxgp
>>>>>>>>
using internal https checking
20251031-08:00:48.088
20251031-08:00:48.088 OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE
<OFX>
<SIGNONMSGSRQV1>
<SONRQ>
<DTCLIENT>20251031080048.066
<USERID>XXXXXXXXX
<USERPASS>*
<GENUSERKEY>N
<LANGUAGE>ENG
<FI>
<ORG>ISC
<FID>4501
</FI>
<APPID>QWIN
<APPVER>2700
</SONRQ>
</SIGNONMSGSRQV1>
<BANKMSGSRQV1>
<STMTTRNRQ>
<TRNUID>1761912048076-0
<STMTRQ>
<BANKACCTFROM>
<BANKID>XXXXXXXXX
<ACCTID>XXXXXXXXX
<ACCTTYPE>CHECKING
</BANKACCTFROM>
<INCTRAN>
<DTSTART>20251027120000
<INCLUDE>Y
</INCTRAN>
</STMTRQ>
</STMTTRNRQ>
</BANKMSGSRQV1>
</OFX>
20251031-08:00:48.088 <<<<<<<<
20251031-08:00:49.129 loaded cookie from https://www.oasis.cfree.com/test.ofxgp : persist__data=!Qnb/1ulsFxmY8j3Lr2cqg04H8zpaeJ/CMHJbjIa2uH9btxTKwX8ybduSXTn2EJOLgFHsyHwtAkHb/w==; path=/; Httponly; Secure -> persist__data=!Qnb/1ulsFxmY8j3Lr2cqg04H8zpaeJ/CMHJbjIa2uH9btxTKwX8ybduSXTn2EJOLgFHsyHwtAkHb/w==; path=%2F; domain=www.oasis.cfree.com; secure
20251031-08:00:49.129 loaded cookie from https://www.oasis.cfree.com/test.ofxgp : TS019077e0=010f04ce042313c35fd14e5d8fba616630ae78ee73b76cedbf5c8654459c2fd47d79fdb2759e3bb0fa17020abe719fcfafd70f43285a716f4e7154f0700c3d0ed15a332bf6; Path=/; Secure; HTTPOnly -> TS019077e0=010f04ce042313c35fd14e5d8fba616630ae78ee73b76cedbf5c8654459c2fd47d79fdb2759e3bb0fa17020abe719fcfafd70f43285a716f4e7154f0700c3d0ed15a332bf6; path=%2F; domain=www.oasis.cfree.com; secure
20251031-08:00:49.129 HTTP response headers:
20251031-08:00:49.130 date: [Fri, 31 Oct 2025 12:00:48 GMT]
20251031-08:00:49.130 content-length: [730]
20251031-08:00:49.130 set-cookie: [TS019077e0=010f04ce042313c35fd14e5d8fba616630ae78ee73b76cedbf5c8654459c2fd47d79fdb2759e3bb0fa17020abe719fcfafd70f43285a716f4e7154f0700c3d0ed15a332bf6; Path=/; Secure; HTTPOnly]
20251031-08:00:49.130 content-security-policy: [default-src 'self';]
20251031-08:00:49.130 x-content-type-options: [nosniff]
20251031-08:00:49.130 x-xss-protection: [1; mode=block]
20251031-08:00:49.130 x-frame-options: [SAMEORIGIN]
20251031-08:00:49.130 connection: [close]
20251031-08:00:49.130 content-type: [application/x-ofx]
20251031-08:00:49.130 cache-control: [no-cache]
20251031-08:00:49.130 pragma: [no-cache]
20251031-08:00:49.130 strict-transport-security: [max-age=31536000 ; includeSubDomains]
20251031-08:00:49.131 Reading message from https://www.oasis.cfree.com/test.ofxgp
>>>>>>>>
20251031-08:00:49.136 BEGINRESPONSE>>>>>
20251031-08:00:49.137 <OFX>
<SIGNONMSGSRSV1>
<SONRS>
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<DTSERVER>20251031120048
<LANGUAGE>ENG
<DTPROFUP>20251031080048
<DTACCTUP>20240419114620
<FI>
<ORG>ISC
<FID>4501
</FI>
</SONRS>
</SIGNONMSGSRSV1>
<BANKMSGSRSV1>
<STMTTRNRS>
<TRNUID>1761912048076-0
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<STMTRS>
<CURDEF>USD
<BANKACCTFROM>
<BANKID>XXXXXXXX
<ACCTID>XXXXXXXX
<ACCTTYPE>CHECKING
</BANKACCTFROM>
<LEDGERBAL>
<BALAMT>2604.59
<DTASOF>20251025114738.640
</LEDGERBAL>
<AVAILBAL>
<BALAMT>0.00
<DTASOF>20251025114738.640
</AVAILBAL>
</STMTRS>
</STMTTRNRS>
</BANKMSGSRSV1>
</OFX>
20251031-08:00:49.137 <<<<<<<<ENDRESPONSE
20251031-08:00:49.140 reading statement for (PNC Checking:9493064)
it took 0.0 seconds to eliminate 0 duplicates from 0 downloaded transactions
20251031-08:00:49.151 Online downloads (account: 'PNC Checking', service: 'PNC Bank - Direct Connect') finished...
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31 Posted by dwg on 18 Nov, 2025 08:45 PM
When you get duplicates after a change it generally means that the institution changes how they generate the transactions IDs.
Transaction IDs are generally not kept as a field in main records, they are not relevant there, but are generated by the subsystem that provides the Direct Connect or OFX/QFX manual downloads, change the algorithm that creates the ID's and you get "duplicates" as the new IDs do not match what you already have. This is why DC and manual downloads can have different IDs, two different algorithms because they are two different systems and no one bothered to make them the same.
32 Posted by pjgiv1 on 19 Nov, 2025 07:01 PM
Well, here we go again. Made a ATM transaction yesterday, it downloaded this morning, only it downloaded 2 identical entries. Cannot delete either one without having duplication one the next download. If no solution is offered, guess I'll just wait and see if the bank changes something that will straighten it out.
33 Posted by Gerry on 20 Nov, 2025 02:01 PM
I have had duplicates but have been able to merge with ones already cleared I'm hoping MD will learn.
My issue is the ATM transaction's not being downloaded from PNC it was a transaction from the 18th. I manually entered it then cleared it in reconcile. Now I'll see what kind of mess that makes.
This is a pain in the butt!!
34 Posted by pjgiv1 on 20 Nov, 2025 03:40 PM
Gerry, agree w/you about this problem being a pain in booty. Have wasted HOURS trying to get it back like it was before PNC made their upgrade. Seems like there should be something in the TOOLBOX that would sort this out but I do not want to tread there unless someone can guide me.
35 Posted by pjgiv1 on 22 Nov, 2025 04:26 PM
Obviously PNC did something on their end to correct the duplicate situation. Made a download this morning and everything is back to the point that it was before the upgrade they made. So very glad it's operating correctly!
36 Posted by buxbaum17 on 09 Dec, 2025 07:57 PM
I am having duplicate and triplicate transaction downloads from PNC. Any easy workaround. If I delete one it redownloads. I don't want to make dummy fixes for most transactions.
37 Posted by dispatcher_21 on 09 Dec, 2025 11:09 PM
Make a comment to mark the old transaction. Download and keep/reconcile the new transaction and then delete the old one. Should not duplicate again.
38 Posted by BrianS on 04 Mar, 2026 11:43 PM
This comment was split into a new private discussion: No downloads from PNC direct connect since online banking upgrade over the weekend
I think this has resurfaced; it has been nearly two weeks since I downloaded any transactions from PNC. Is anyone else seeing this?
39 Posted by webyan on 05 Mar, 2026 12:31 AM
I switched to Moneydance+ for some of my accounts at other institutions so I have been using it for my PNC accounts and it is working fine using that method. I know not what you were asking but I thought I would add a data point for you.
40 Posted by Gerry on 05 Mar, 2026 02:46 PM
I use Direct connect still with PNC and its been having glitch's some days it works some it doesn't one download resent the hole month. Granted MD did allow me to merge with already cleared transactions but was a pain merging over completed transactions. I haven't been able to use Direct download for 3 days.
Support Staff 41 Posted by Maddy on 05 Mar, 2026 03:05 PM
Hi,
We are sorry to hear about the problem you have encountered.
The problem seems to be affecting users of other financial software as well.
Several Quicken users have reported that PNC’s Direct Connect service has stopped downloading transactions, as documented in the Quicken community, with reports continuing into February 2026. One user noted that Direct Connect stopped retrieving any activity after February 12, even though new transactions were visible in PNC’s online banking.
This suggests the problem is occurring on PNC’s end rather than within Moneydance.
Since PNC supports Moneydance+, you may want to use that service for now. Moneydance+ includes a 30‑day free trial.
I hope this helps clarify the situation. Let us know if you have any other questions or need further assistance.
--
Maddy, Infinite Kind Support
42 Posted by Gerry on 05 Mar, 2026 05:17 PM
Is there a way to find out user comments about MD + I know its only $4 a month or $40 a year but things are tight and if PNC still is having issues with it then I haven't gained anything.
The search field doesn't work or I would use it.
Gerry
PS- I also left a discussion in General under Moneydance +
43 Posted by webyan on 05 Mar, 2026 06:10 PM
FYI. Search will work if you logout but not when you are logged in. It is a known issue that is being addressed.
44 Posted by pjgiv1 on 05 Mar, 2026 06:46 PM
Just read comments concerning no dl's using DC. Made a dl yesterday afternoon and also the latest was 5 minutes ago. Haven't had any problems so far.....
45 Posted by David Miller on 05 Mar, 2026 06:48 PM
DirectConnect is working for me on PNC within the past hour.
46 Posted by ppinocci on 10 Mar, 2026 11:44 PM
PNC DC is still working for me, downloaded a transaction today.
47 Posted by Gerry on 26 Mar, 2026 06:22 PM
Well PNC direct connect stopped working again. It had been off and on again working now it is giving me this message stopped working 3/24/26.
48 Posted by ppinocci on 26 Mar, 2026 06:44 PM
I'm getting the same error, it's certificate related, it's different than before. I started a new post just a few minutes ago in Online Banking, check it out. So far nobody has replied.
https://infinitekind.tenderapp.com/discussions/online-banking/1252741-pnc-certificate-related-error-now-when-trying-to-direct-connect-download
Support Staff 49 Posted by Maddy on 27 Mar, 2026 11:07 AM
Hi,
We are sorry to hear about the problem you have encountered.
You could try to clear the current connection information still stored within the program and recreating the connection.
To achieve this, please navigate to Extensions->Manage Extensions and install the Toolbox (v.1070)
Launch the Toolbox and select the Update Mode
Then, navigate to Menu: Online Banking (OFX) Tools
In the resulting window, under Update Functions you should select:
Delete OFX Banking Service / Logon profile (remove_one_service.py)
Finally, restart Moneydance and recreate the connection as outlined here.
I hope this information is helpful. Please let us know if you have further questions or need more assistance.
--
Maddy, Infinite Kind Support
Support Staff 50 Posted by Maddy on 27 Mar, 2026 11:13 AM
Thanks for following up on this other thread.
We’re glad to hear everything is now resolved and that it was just a temporary server issue. I’ll close this discussion for the moment, but please feel free to reach out again if you need any further assistance.
--
Maddy, Infinite Kind Support
Maddy closed this discussion on 27 Mar, 2026 11:13 AM.