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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Support Staff 1 Posted by Maddy on 31 Oct, 2025 12:42 PM
Hi,
We are sorry to hear about the problem you have encountered.
Please note: it seems that following a significant system upgrade by PNC Bank over the weekend, other financial software have stopped receiving transaction downloads as well. New activity is visible on the PNC site, but nothing has synced since last Friday.
For reference, please see here.
If the problems persist, we'd recommend importing your data manually for the time being. You can download it using the OFX or QFX file format, if available. If not, use the QIF file format. (These files are sometimes referred to as Quicken or MS Money files). You can import the files to Moneydance using File --> Import.
The steps for manually importing your data are outlined in this article from the Knowledge Base.
I hope this information is helpful. Please let us know if you have further questions or need more assistance.
--
Maddy, Infinite Kind Support
2 Posted by ppinocci on 31 Oct, 2025 01:12 PM
Thanks, Maddy. I think I'll call PNC online support just to see what they say. It's back to working for some of the people on that Quicken discussion but not for others.
Support Staff 3 Posted by Maddy on 31 Oct, 2025 01:30 PM
I apologize for the inconvenience, please be assured that your thread is now set to 'public' as you requested.
--
Maddy, Infinite Kind Support
4 Posted by ppinocci on 31 Oct, 2025 02:46 PM
I called the number it says to call if I need assistance with the Direct Connect service on the letter I had received when I enrolled in the Direct Connect service and after answering a couple of automated questions I got connected quickly to a very polite and courteous woman who asked me to provide my first and last name, and then to verify my phone number by giving her the last four numbers, and then she texted me a passcode which I provided to her. Then she asked me what my problem was, and after I explained it she said she would put me on hold while she contacted Online Banking escalation to see what's going on. Every few minutes she would come back to check I was still there and to let me know she was still waiting for Online Banking escalation. After about 15 minutes she came back and said that they are aware of the issues with the Direct Connect service and will be working on fixing it over the weekend, and that I should not try downloading until Monday. It was a very pleasant customer support experience. Hopefully on Monday it will be working again. In the meantime, I'll manually download and import the few transactions I need.
Support Staff 5 Posted by Maddy on 31 Oct, 2025 02:56 PM
Thanks for following up!
I'm pleased to hear that PNC is addressing the issue. This discussion will remain open for the time being—please update us on Monday if the matter has been resolved.
--
Maddy, Infinite Kind Support
6 Posted by BrianS on 31 Oct, 2025 03:53 PM
Following - having the same issues downloading checking/savings transactions from PNC since the weekend.
7 Posted by pjgiv1 on 31 Oct, 2025 04:06 PM
Also PNC customer. Everything working just fine except the downloading of transactions. Will be watching this thread.
8 Posted by pjgiv1 on 01 Nov, 2025 05:44 PM
My last successful download was on 10-24-25. Have a number of transactions that have been cleared online but unable to dl. Called the CS # and was told by the service rep that the ONLY programs they recognize is Quicken and QuickBooks. She said since the major upgrade no other programs are being recognized. Also, she stated that maybe I could export from the online transactions into my program. BUMMER.
9 Posted by dispatcher_21 on 04 Nov, 2025 05:51 PM
Well, it’s Tuesday and still not working. Not looking good.
10 Posted by Gerry on 05 Nov, 2025 05:28 PM
Its now Wednesday and Direct Connect still not working.
I am also having the same issue with PNC they appear to stop using OFX file format (Microsoft money use to use it). Manual download with QFX works but you don't get who the payment is from and you can't copy form PNC transactions anymore you have to handwrite it and type it in. Once imported from PNC when I match the transactions most of the time MD finds the payee.
PNC appears to be pushing Quicken the person I spoke to hadn't heard of Money Dance. Anyone that has a easier way I m open for suggestions. PNC has a problem with Fire Fox browser also.
11 Posted by pjgiv1 on 05 Nov, 2025 08:11 PM
PNC has disabled the OFX protocol, according to the google machine. What to do now?
Support Staff 12 Posted by Maddy on 06 Nov, 2025 11:05 AM
Although Direct Connect is still technically active, many users are reporting missing transactions or are unble to connect when using it with Quicken on both Windows and Mac and other financial software.
PNC’s official Update Center does not list Direct Connect as discontinued, but it also doesn’t confirm full functionality.
These issues also affect PNC’s Web Connect method, suggesting broader syncing problems between PNC and financial software platforms.
If the problems persist, we'd recommend importing your data manually for the time being. You can download it using the OFX or QFX file format, if available. If not, use the QIF file format. (These files are sometimes referred to as Quicken or MS Money files). You can import the files to Moneydance using File --> Import.
The steps for manually importing your data are outlined in this article from the Knowledge Base.
Alternatively, if you have a license for Moneydance 2022 or later you may consider subscribing to Moneydance +.
For further details about subscribing and using this service, please refer to this section of the Knowledge base.
I hope this information is helpful. Please let us know if you have further questions or need more assistance.
--
Maddy, Infinite Kind Support
13 Posted by Gerry on 06 Nov, 2025 06:09 PM
You can only use Excel (CSV) Quicken (QFX) Quickbooks (QBO) to download per PNC.
I use the QFX format it brings info over but this is how it downloads:
DEBIT CARD PURCHASE xxxxxxxxxxxx
DEBIT CARD PURCHASE xxxxxxxxxxxxxxxx0000 SQ *THE POUR Panama City FL
Unless you use two line and high light the 2nd line to copy or edit you don't see everything. With a little copy paste and patience you can make it work. I hope they fix this. SOON
14 Posted by Gerry on 06 Nov, 2025 07:24 PM
In PNC banking from transacions use Export - QFX brings up Verify Your Identity
I use text and get a passcode enter the one time passcode. When it downloads I have set QFX files to open with MD.
15 Posted by pjgiv1 on 06 Nov, 2025 07:48 PM
Gerry, tried your method, still no joy. Did the dl from the website and it did put the qfx file in my dl directory. Tried to execute and it did nothing, no verify, no screen change. Other than a window popup that stated, "Remember this Choice" but after that, nothing. Any tips?
16 Posted by Gerry on 06 Nov, 2025 09:11 PM
Try going into your DL files, my download is accountActivityExport(1).qfx right mouse click use open with - Moneydance. If your doing PNC credit card it says CreditCardActiveExport(1).qfx the number in parentheses I think is the times downloaded it accounts for the same named file and automatically adds a number.
17 Posted by David on 06 Nov, 2025 11:30 PM
I contacted PNC tonight, and they claim they are still working on the Direct Connect issue. No timeline for resolution and no way to check on the status without going through multiple layers of support to get to anyone who know what Direct Connect is.
Are there any nationwide banks that do a good job supporting Direct Connect?
18 Posted by dispatcher_21 on 07 Nov, 2025 01:58 AM
That is strange. When I did a manual export last week, OFX was an option. Must be an extensive issue for them.
19 Posted by pjgiv1 on 07 Nov, 2025 03:56 PM
@Gerry: Finally, EURIKA! Kinda scared me at first, dl'd 93 transactions and I knew only two were in the "pending" column. Now all I have to do is get in the habit of exporting and matching. Thanks for the help!
@David: Dave, believe me when I say I've chased this thing since the first dl failure. Spoke to a person in PA yesterday and she confirm that the OFX protocol is gone forever. IMO, think Quicken passed some money along to all the banks that are doing the same thing. Personally, don't think it will ever come back. Just my nickel.
20 Posted by dispatcher_21 on 09 Nov, 2025 01:52 AM
Has it been confirmed that downloads of PNC transactions does indeed work with the Moneydance+ subscription?