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Merrill Lynch downloads failing: UnknownHostException

bolight's Avatar

bolight

06 Nov, 2025 02:00 AM

I've been unable to download my ML accounts for the past week. I get the following error message:

Bank Name:Merrill Lynch Investments
Account:ML Investment Account
Account Number:XXXXXXXXX

A communication or parsing error occurred. This could be the result of a network problem, a proxy error, or misconfigured server.
Error Description:java.net.UnknownHostException: taxcert.mlol.ml.com

Several DNS servers agree this host doesn't exist, though mlol.ml.com does.

  1. Support Staff 1 Posted by Maddy on 06 Nov, 2025 12:35 PM

    Maddy's Avatar

    Hi,
    We are sorry to hear about the problem you have encountered.

    If this is a temporary outage, removing and recreating the connection should help fixing the problem. If the issue persists, it is likely that Merrill Lynch is transitioning from Direct Connect.

    Please navigate to Extensions->Manage Extensions and install the Toolbox (v.1068)

    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)

    You should see a prompt that allows you to select the relevant bank connection.

    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

  2. 2 Posted by bolight on 06 Nov, 2025 08:00 PM

    bolight's Avatar

    I removed the connection, but cannot recreate it.
    My steps:
    1. navigate to my ML account, Set Up Online Banking. Online Setup dialog appears.
    2. Select "Connect to OFX Service"
    3. Select "Merrill Lynch Investments"
    4. Select "ML Investment Account"
    5. Account number is correct, click "Next"
    6. Click "Finish"
    7. Ctrl-D to download data. Online setup dialog appears. Goto step 2.

    At the moment, I can still download data directly from ML. A couple of Quicken forums are indicating BofA/ML is getting rid of their remaining OFX services; if that's correct, that' does explain the problem.

    UPDATE: I restored from the backup I made before deleting the connection. Downloading still pops up the error message, but it did download yesterday's transactions! (I had not had any other transactions in the past week, I usually just do a bulk download). SO, downloads are not "failing", but there is still an unknownHostError to address.

  3. Support Staff 3 Posted by Maddy on 07 Nov, 2025 10:23 AM

    Maddy's Avatar

    Thank you for the additional information!

    Please navigate to Extensions->Manage Extensions to install the Toolbox.

    Launch the Toolbox and select 'Update mode'

    In the Menu: Online Banking Tools, choose "View Online Banking Configuration".
    Finally, click on Copy Diagnostics (top right of the window) and paste the result in your next reply here.

    Thank you

    --
    Maddy, Infinite Kind Support

  4. 4 Posted by bolight on 07 Nov, 2025 09:22 PM

    bolight's Avatar

    This is the diagnostics from the restored backup (before removing the ML config). I'll open the original file and paste that in the next reply.
    FONT USED FOR TOOLBOX OUTPUT/DISPLAY(can be changed): Hack Regular(12)

    Moneydance Version / Build: 2024.4 Build: 5253
    Moneydance Config file reports: 2024.4
    Moneydance updater version to track: stable

    LICENSED: P974244070145-8CBD3BDD (key version: v2024, key status: REGISTERED, isUpgradeable: False)

    Moneydance+ License information:
    Signup status: none
    MD+ keypair date: 10/18/2021 14:34:00(.253) -0400 EDT Eastern Daylight Time
    MD+ Private Key: ****** hidden ****** (length: 4748)
    MD+ Public Key: ****** hidden ****** (length: 1100)

     >prior license (2024): P974244070145-8CBD3BDD
     >prior license (2023): P26454301-6140731D
     >prior license (2022): P26454301-6140731D
     >prior license (2021): F219230368-3CE3AE53
     >prior license (2019): F219230368-3CE3AE53

    Current Dataset: 'Finances-20251106-0814'
    Full location of this Dataset: '/home/john/.moneydance/Documents/Finances-20251106-0814.moneydance'
    Application Install Directory: '/opt/Moneydance/'
    Internal 'root' directory: '/home/john/.moneydance'

    Dataset is NOT a Master Node >> It is a SECONDARY sync node

    Dataset size: 60.1MBs (174 files)

    Dataset internal UUID: ee8ca901-6688-40e3-9af3-69068b2adfc8

    DATABASE OBJECT COUNT (count) (est.size KBs):
     -----------------------------------------------------
    Object: bdgt 2 0.2
    Object: csnap 89217 20449.2
    Object: reminder 23 20.2
    Object: secsubtypes 1 0.4
    Object: txn 11543 11340.5
    Object: olsvc 6 17.4
    Object: csplit 3 0.5
    Object: oltxns 107 12.0
    Object: bdgtitem 367 89.2
    Object: curr 142 39.4
    Object: acct 370 129.4
    Object: misc 3 8.6
     ==========
     TOTAL: 101784 32107.1

    ENCRYPTION
    'Master' / Encryption Passphrase: ***************
    Encryption Store Online Banking Passwords in File: True (This means you are able to save your online banking passwords)
    Encryption passphrase hint: ***************
    ENCRYPTED (secret) cryptographic KEY value used for dataset encryption: '177CF75FAA4EC1DE1B0BFB1D131B5BDAACC81BB2489F23E1AAA33A9B71101C29' (you need to decrypt this value to obtain the actual decryption cryptographic key!)
    Encryption test using your key/passphrase reports algorithm: AES
    Dataset & Sync encryption is: AES (aes-128-cbc) >> Advanced Encryption Standard - 128 bit - Cipher Block Chaining (symmetric algorithm) (with fixed salt, IV, iterations, and key length values)
    (review Menu: 'Advanced Options' > 'Show your encryption keys, and the Moneydance encryption methodology' for more details)

    SYNC DETAILS
    Sync Password: ***************
    Sync Method: DropboxAPI:/.moneydancesync/ad087025-2908-4bc9-9a93-90bea250de8e
    Sync local disk/url location: 'https://www.dropbox.com/home/.moneydancesync/ad087025-2908-4bc9-9a93-90bea250de8e'

    THEMES
    Your selected Theme: default ('Default' : [The Java(tm) Look and Feel - javax.swing.plaf.metal.MetalLookAndFeel])
    Custom Theme File: custom_theme.properties file DOES NOT EXIST!
    Available themes: [Default, Flat Dark, High Contrast, Classic, Solarized Light, Solarized Dark]

    RUNTIME ENVIRONMENT
    Java version: 21.0.5
    Java vendor: Eclipse Adoptium
    Platform: Jython Java 2.7
    SandBoxed: False
    Restricted: False
    MD Execution Mode: 2 = APP (Normal App)
    MD Debug Mode: False
    Beta Features: False
    Architecture: amd64
    File Extension: .moneydance
    Operating System file encoding: UTF-8
    File system default encoding: utf-8, Python default encoding: utf8 (overridden from ASCII)
    Python default display font: Hack Regular(12)

    ENVIRONMENT
    Username: john
    OS Platform: Linux 6.8.0-87-generic
    Home Directory: /home/john
      user.dir: /opt/Moneydance
      ~: /home/john
    Moneydance decimal point: .
    System Locale Decimal Point: .
    MD User set Locale Country: US
    MD User set Locale Language: en

    FOLDER / FILE LOCATIONS
    MD Dataset internal top level (root) Directory:
    Auto Backup Folder: '/home/john/.moneydance/archive/backups'
    (Last backup location: '/home/john/.moneydance/archive/backups')

    Other MD Datasets I am aware of...:
    Internal file: /home/john/.moneydance/Documents/Finances.moneydance
    Internal file: /home/john/.moneydance/Documents/Finances-20251106-0814.moneydance
    Internal file: /home/john/.moneydance/Documents/mdsyncinfo.moneydance

    MD System Root Directory: /home/john/.moneydance
    MD Log file: /home/john/.moneydance/errlog.txt
    Preferences File: /home/john/.moneydance/config.dict
    Archive Directory: /home/john/.moneydance/archive
    Extensions Directory: /home/john/.moneydance/fmodules
    Documents Directory: /home/john/.moneydance/Documents
    gen.report_dir: /home/john/Documents/My Spreadsheets/
    gen.data_dir: /home/john/.moneydance/archive/backups
    gen.import_dir: /home/john/Downloads

    Python Directory: /home/john/.moneydance/python
    gen.python_default_file: /home/john/src/priceupdaters/read_prices.py
    gen.python_dir: /home/john/src/priceupdaters/
    System 'python.path': /home/john/.moneydance/python
    System 'python.cachedir': /home/john/.moneydance/python/cache
    System 'python.cachedir.skip': false

    EXTENSIONS / EDITORS / VIEWS
    Extensions enabled: True
    External View(HomePage widget): Foresight
    External View(HomePage widget): Foresight - Reminder Review
    External View(HomePage widget): Find and Replace
    External View(HomePage widget): Import List
    External View(HomePage widget): MoneyPie
    External View(HomePage widget): Custom Balances
    External View(HomePage widget): Ratios
    Extension Loaded: Foresight
    Extension Loaded: Extract Data
    Extension Loaded: Find and Replace
    Extension Loaded: Import List
    Extension Loaded: CSV Importer
    Extension Loaded: MoneyPie
    Extension Loaded: Custom Balances
    Extension Loaded: Ratios - Ratio Calculator
    Extension Loaded: Quote Loader
    Extension Loaded: Toolbox
    Extension Loaded: Text File Importer - Text Import
    Internal/suppressed/unloadable extns: jpython
    Internal/suppressed/unloadable extns: python
    Internal/suppressed/unloadable extns: moneyforesight
    Internal/suppressed/unloadable extns: updater

    ** Use General Tools Menu>View Extension(s) details for more info and available updates **

    CONGRATULATIONS - NO ORPHAN EXTENSIONS DETECTED!!

     ======================================================================================
    USER PREFERENCES
     ----------------
    >> GENERAL
    Show Full Account Paths: True
    Register Follows Recorded Txns: True
    Use VAT/GST: False
    Case Sensitive Auto-Complete: False
    Auto Insert Decimal Points: False
    Auto Create New Transactions: True
    Separate Tax Date for Transactions: False
    Show All Accounts in Popup: False
    Beep when Transactions Change: True
    Show Selection Details: inwindow
    Side Bar Balance Type: CURRENT_BALANCE
    Date Format: MM/dd/yyyy
    Decimal Character: .
    Locale: en_US
    Fiscal Year Start: January 1

    >> APPEARANCE
    Theme: default
    Font: None
    Numeric Font: None
    Moneybot Coding (monospaced) Font: None
    Printing Font: None
    Print Font Size: 12
    Screen Font Size: +0

    >> NETWORK
    Automatically Download in Background: False
    Automatically Merge Downloaded Transactions: False
    Mark Transactions as Cleared When Confirmed: True
    Use Bank Dates for Merged Transactions: True
    Ignore Transaction Types in Favor of Amount Signs: True
    Auto-Commit Reminders (applies to current file on this computer): False
    Use Proxy: False
     Proxy Host:
     Proxy Port: 80
    Proxy Requires Authentication: False
     Proxy Username:
     Proxy Password:
    Observe Online Payment Date Restrictions: True
    Only Match downloaded transactions when they are at most Default days apart

    >> CHEQUE PRINTING
    preferences not listed here...

    >> BACKUPS
    Save Backups: daily (config key: 'backup.scheme' value: 'daily')
    Keep no more than 5 unique days of backups
    separate Backup Folder: True
    Backup Folder: /home/john/.moneydance/archive/backups

    >> SUMMARY PAGE
    preferences not listed here...
     ======================================================================================

    HOME SCREEN USER SELECTED PREFERENCES
     ---------------------------
    Home Screen Configured: y
    Side Bar Balance Type: CURRENT_BALANCE
    Dashboard Item Selected: budget
    Quick Graph Selected: graph_expthisyear
    Budget Bar Date Range Selected: this_year
    Reminders View: one_month
    Exchange Rates View - Invert?: n
    BANK Accounts Expanded: y
    >Balance Displayed: CURRENT_BALANCE
    LOAN Accounts Expanded: n
    >Balance Displayed: CURRENT_BALANCE
    LIABILITY Accounts Expanded: NOT SET
    INVESTMENT Accounts Expanded: y
    >Balance Displayed: CURRENT_BALANCE
    CREDIT CARD Accounts Expanded: y
    ASSET Accounts Expanded: n
     ======================================================================================

    FONTS
    >> Swing Manager default: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=12]
    >> Moneydance default: javax.swing.plaf.FontUIResource[family=Dialog,name=Dialog,style=bold,size=12]
    >> Moneydance mono: java.awt.Font[family=Monospaced,name=Monospaced,style=plain,size=12]
    >> Moneydance default text: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=12]
    >> Moneydance default title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=14]
    >> Moneydance calendar title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=11]
    >> Moneydance header: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=14]
    >> Moneydance register: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=11]
    >> Moneydance report header: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=10]
    >> Moneydance report title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=32]
    >> Moneydance code: java.awt.Font[family=Hack,name=Hack,style=plain,size=12]

    >> OTHER INTERESTING SETTINGS....
    txtimport_datefmt: mdy
    txtimport_csv_delim: ,
    txtimport_csv_decpoint: .

    Java JVM Resources
    JVM - Available processor cores: 8
    JVM - Maximum memory possible: 53.8 GB
    JVM - Total memory allocated: 1.5 GB (used 0.5 GB / free 1.0 GB)

    Java JVM System Properties containing references to Moneydance
    >> java.class.path /opt/Moneydance/.install4j/i4jruntime.jar:/opt/Moneydance/.install4j/launchere5bf2da3.jar:/opt/Moneydance/lib/retrofit-2.10.0.jar:/opt/Moneydance/lib/jackson-core-2.17.0.jar:/opt/Moneydance/lib/annotations-23.0.0.jar:/opt/Moneydance/lib/javax.activation-1.2.0.jar:/opt/Moneydance/lib/kotlin-reflect-1.9.21.jar:/opt/Moneydance/lib/plaid-java-8.5.0.jar:/opt/Moneydance/lib/gson-2.10.1.jar:/opt/Moneydance/lib/moneydance.jar:/opt/Moneydance/lib/appsrc.jar:/opt/Moneydance/lib/kotlinx-coroutines-core-jvm-1.8.0.jar:/opt/Moneydance/lib/httpcore-4.4.16.jar:/opt/Moneydance/lib/okio-jvm-3.9.0.jar:/opt/Moneydance/lib/org-netbeans-swing-outline-RELEASE210.jar:/opt/Moneydance/lib/jcommon-1.0.24.jar:/opt/Moneydance/lib/jgoodies-common-1.8.1.jar:/opt/Moneydance/lib/i4jruntime.jar:/opt/Moneydance/lib/tablelayout-20070421.jar:/opt/Moneydance/lib/natty-0.13.jar:/opt/Moneydance/lib/kotlin-stdlib-1.9.21.jar:/opt/Moneydance/lib/PDFRenderer.jar:/opt/Moneydance/lib/converter-gson-2.10.0.jar:/opt/Moneydance/lib/okhttp-4.12.0.jar:/opt/Moneydance/lib/jgoodies-binding-2.13.0.jar:/opt/Moneydance/lib/commons-logging-1.3.1.jar:/opt/Moneydance/lib/flatlaf-1.6.5.jar:/opt/Moneydance/lib/slf4j-nop-1.7.36.jar:/opt/Moneydance/lib/httpclient-4.5.14.jar:/opt/Moneydance/lib/commons-lang3-3.14.0.jar:/opt/Moneydance/lib/dropbox-core-sdk-6.1.0.jar:/opt/Moneydance/lib/jgoodies-forms-1.9.0.jar:/opt/Moneydance/lib/mdpython.jar:/opt/Moneydance/lib/swingx-core-1.6.2.jar:/opt/Moneydance/lib/VAqua12.jar:/opt/Moneydance/lib/slf4j-api-1.7.10.jar:/opt/Moneydance/lib/jgoodies-validation-2.5.1.jar:/opt/Moneydance/lib/commons-codec-1.5.jar:/opt/Moneydance/lib/commons-collections4-4.4.jar:/opt/Moneydance/lib/backport-util-concurrent-3.1.jar:/opt/Moneydance/lib/antlr-runtime-3.5.3.jar:/opt/Moneydance/lib/commons-logging-1.1.1.jar:/opt/Moneydance/lib/jfreechart-1.5.4.jar:/opt/Moneydance/lib/commons-codec-1.16.1.jar
    >> install4j.exeDir /opt/Moneydance/
    >> python.cachedir /home/john/.moneydance/python/cache
    >> sun.boot.library.path /opt/Moneydance/jre/lib
    >> sun.java.command install4j.Moneydance
    >> java.home /opt/Moneydance/jre
    >> exe4j.moduleName /opt/Moneydance/Moneydance
    >> install4j.jvmDir /opt/Moneydance/jre
    >> install4j.appDir /opt/Moneydance/
    >> user.dir /opt/Moneydance
    >> python.path /home/john/.moneydance/python

    <END>

  5. 5 Posted by bolight on 07 Nov, 2025 09:24 PM

    bolight's Avatar

    Diagnostics from the original file:
    FONT USED FOR TOOLBOX OUTPUT/DISPLAY(can be changed): Hack Regular(12)

    Moneydance Version / Build: 2024.4 Build: 5253
    Moneydance Config file reports: 2024.4
    Moneydance updater version to track: stable

    LICENSED: P974244070145-8CBD3BDD (key version: v2024, key status: REGISTERED, isUpgradeable: False)

    Moneydance+ License information:
    Signup status: none
    MD+ keypair date: 10/18/2021 14:34:00(.253) -0400 EDT Eastern Daylight Time
    MD+ Private Key: ****** hidden ****** (length: 4748)
    MD+ Public Key: ****** hidden ****** (length: 1100)

     >prior license (2024): P974244070145-8CBD3BDD
     >prior license (2023): P26454301-6140731D
     >prior license (2022): P26454301-6140731D
     >prior license (2021): F219230368-3CE3AE53
     >prior license (2019): F219230368-3CE3AE53

    Current Dataset: 'Finances'
    Full location of this Dataset: '/home/john/.moneydance/Documents/Finances.moneydance'
    Application Install Directory: '/opt/Moneydance/'
    Internal 'root' directory: '/home/john/.moneydance'

    Dataset is NOT a Master Node >> It is a SECONDARY sync node

    Dataset size: 60.2MBs (178 files)

    Dataset internal UUID: ee8ca901-6688-40e3-9af3-69068b2adfc8

    DATABASE OBJECT COUNT (count) (est.size KBs):
     -----------------------------------------------------
    Object: bdgt 2 0.2
    Object: csnap 89217 20449.2
    Object: reminder 23 20.2
    Object: secsubtypes 1 0.4
    Object: txn 11543 11340.5
    Object: olsvc 6 17.4
    Object: csplit 3 0.5
    Object: oltxns 107 12.0
    Object: bdgtitem 367 89.2
    Object: curr 142 39.4
    Object: acct 370 129.4
    Object: misc 3 8.6
     ==========
     TOTAL: 101784 32107.1

    ENCRYPTION
    'Master' / Encryption Passphrase: ***************
    Encryption Store Online Banking Passwords in File: True (This means you are able to save your online banking passwords)
    Encryption passphrase hint: ***************
    ENCRYPTED (secret) cryptographic KEY value used for dataset encryption: '177CF75FAA4EC1DE1B0BFB1D131B5BDAACC81BB2489F23E1AAA33A9B71101C29' (you need to decrypt this value to obtain the actual decryption cryptographic key!)
    Encryption test using your key/passphrase reports algorithm: AES
    Dataset & Sync encryption is: AES (aes-128-cbc) >> Advanced Encryption Standard - 128 bit - Cipher Block Chaining (symmetric algorithm) (with fixed salt, IV, iterations, and key length values)
    (review Menu: 'Advanced Options' > 'Show your encryption keys, and the Moneydance encryption methodology' for more details)

    SYNC DETAILS
    Sync Password: ***************
    Sync Method: DropboxAPI:/.moneydancesync/ad087025-2908-4bc9-9a93-90bea250de8e
    Sync local disk/url location: 'https://www.dropbox.com/home/.moneydancesync/ad087025-2908-4bc9-9a93-90bea250de8e'

    THEMES
    Your selected Theme: default ('Default' : [The Java(tm) Look and Feel - javax.swing.plaf.metal.MetalLookAndFeel])
    Custom Theme File: custom_theme.properties file DOES NOT EXIST!
    Available themes: [Default, Flat Dark, High Contrast, Classic, Solarized Light, Solarized Dark]

    RUNTIME ENVIRONMENT
    Java version: 21.0.5
    Java vendor: Eclipse Adoptium
    Platform: Jython Java 2.7
    SandBoxed: False
    Restricted: False
    MD Execution Mode: 2 = APP (Normal App)
    MD Debug Mode: False
    Beta Features: False
    Architecture: amd64
    File Extension: .moneydance
    Operating System file encoding: UTF-8
    File system default encoding: utf-8, Python default encoding: utf8 (overridden from ASCII)
    Python default display font: Hack Regular(12)

    ENVIRONMENT
    Username: john
    OS Platform: Linux 6.8.0-87-generic
    Home Directory: /home/john
      user.dir: /opt/Moneydance
      ~: /home/john
    Moneydance decimal point: .
    System Locale Decimal Point: .
    MD User set Locale Country: US
    MD User set Locale Language: en

    FOLDER / FILE LOCATIONS
    MD Dataset internal top level (root) Directory:
    Auto Backup Folder: '/home/john/.moneydance/archive/backups'
    (Last backup location: '/home/john/.moneydance/archive/backups')

    Other MD Datasets I am aware of...:
    Internal file: /home/john/.moneydance/Documents/Finances.moneydance
    Internal file: /home/john/.moneydance/Documents/Finances-20251106-0814.moneydance
    Internal file: /home/john/.moneydance/Documents/mdsyncinfo.moneydance

    MD System Root Directory: /home/john/.moneydance
    MD Log file: /home/john/.moneydance/errlog.txt
    Preferences File: /home/john/.moneydance/config.dict
    Archive Directory: /home/john/.moneydance/archive
    Extensions Directory: /home/john/.moneydance/fmodules
    Documents Directory: /home/john/.moneydance/Documents
    gen.report_dir: /home/john/Documents/My Spreadsheets/
    gen.data_dir: /home/john/.moneydance/archive/backups
    gen.import_dir: /home/john/Downloads

    Python Directory: /home/john/.moneydance/python
    gen.python_default_file: /home/john/src/priceupdaters/read_prices.py
    gen.python_dir: /home/john/src/priceupdaters/
    System 'python.path': /home/john/.moneydance/python
    System 'python.cachedir': /home/john/.moneydance/python/cache
    System 'python.cachedir.skip': false

    EXTENSIONS / EDITORS / VIEWS
    Extensions enabled: True
    External View(HomePage widget): Foresight
    External View(HomePage widget): Foresight - Reminder Review
    External View(HomePage widget): Find and Replace
    External View(HomePage widget): Import List
    External View(HomePage widget): MoneyPie
    External View(HomePage widget): Custom Balances
    External View(HomePage widget): Ratios
    Extension Loaded: Foresight
    Extension Loaded: Extract Data
    Extension Loaded: Find and Replace
    Extension Loaded: Import List
    Extension Loaded: CSV Importer
    Extension Loaded: MoneyPie
    Extension Loaded: Custom Balances
    Extension Loaded: Ratios - Ratio Calculator
    Extension Loaded: Quote Loader
    Extension Loaded: Toolbox
    Extension Loaded: Text File Importer - Text Import
    Internal/suppressed/unloadable extns: jpython
    Internal/suppressed/unloadable extns: python
    Internal/suppressed/unloadable extns: moneyforesight
    Internal/suppressed/unloadable extns: updater

    ** Use General Tools Menu>View Extension(s) details for more info and available updates **

    CONGRATULATIONS - NO ORPHAN EXTENSIONS DETECTED!!

     ======================================================================================
    USER PREFERENCES
     ----------------
    >> GENERAL
    Show Full Account Paths: True
    Register Follows Recorded Txns: True
    Use VAT/GST: False
    Case Sensitive Auto-Complete: False
    Auto Insert Decimal Points: False
    Auto Create New Transactions: True
    Separate Tax Date for Transactions: False
    Show All Accounts in Popup: False
    Beep when Transactions Change: True
    Show Selection Details: inwindow
    Side Bar Balance Type: CURRENT_BALANCE
    Date Format: MM/dd/yyyy
    Decimal Character: .
    Locale: en_US
    Fiscal Year Start: January 1

    >> APPEARANCE
    Theme: default
    Font: None
    Numeric Font: None
    Moneybot Coding (monospaced) Font: None
    Printing Font: None
    Print Font Size: 12
    Screen Font Size: +0

    >> NETWORK
    Automatically Download in Background: False
    Automatically Merge Downloaded Transactions: False
    Mark Transactions as Cleared When Confirmed: True
    Use Bank Dates for Merged Transactions: True
    Ignore Transaction Types in Favor of Amount Signs: True
    Auto-Commit Reminders (applies to current file on this computer): False
    Use Proxy: False
     Proxy Host:
     Proxy Port: 80
    Proxy Requires Authentication: False
     Proxy Username:
     Proxy Password:
    Observe Online Payment Date Restrictions: True
    Only Match downloaded transactions when they are at most Default days apart

    >> CHEQUE PRINTING
    preferences not listed here...

    >> BACKUPS
    Save Backups: daily (config key: 'backup.scheme' value: 'daily')
    Keep no more than 5 unique days of backups
    separate Backup Folder: True
    Backup Folder: /home/john/.moneydance/archive/backups

    >> SUMMARY PAGE
    preferences not listed here...
     ======================================================================================

    HOME SCREEN USER SELECTED PREFERENCES
     ---------------------------
    Home Screen Configured: y
    Side Bar Balance Type: CURRENT_BALANCE
    Dashboard Item Selected: budget
    Quick Graph Selected: graph_expthisyear
    Budget Bar Date Range Selected: this_year
    Reminders View: one_month
    Exchange Rates View - Invert?: n
    BANK Accounts Expanded: y
    >Balance Displayed: CURRENT_BALANCE
    LOAN Accounts Expanded: n
    >Balance Displayed: CURRENT_BALANCE
    LIABILITY Accounts Expanded: NOT SET
    INVESTMENT Accounts Expanded: y
    >Balance Displayed: CURRENT_BALANCE
    CREDIT CARD Accounts Expanded: y
    ASSET Accounts Expanded: n
     ======================================================================================

    FONTS
    >> Swing Manager default: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=12]
    >> Moneydance default: javax.swing.plaf.FontUIResource[family=Dialog,name=Dialog,style=bold,size=12]
    >> Moneydance mono: java.awt.Font[family=Monospaced,name=Monospaced,style=plain,size=12]
    >> Moneydance default text: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=12]
    >> Moneydance default title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=14]
    >> Moneydance calendar title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=11]
    >> Moneydance header: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=14]
    >> Moneydance register: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=11]
    >> Moneydance report header: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=10]
    >> Moneydance report title: java.awt.Font[family=Dialog,name=Dialog,style=plain,size=32]
    >> Moneydance code: java.awt.Font[family=Hack,name=Hack,style=plain,size=12]

    >> OTHER INTERESTING SETTINGS....
    txtimport_datefmt: mdy
    txtimport_csv_delim: ,
    txtimport_csv_decpoint: .

    Java JVM Resources
    JVM - Available processor cores: 8
    JVM - Maximum memory possible: 53.8 GB
    JVM - Total memory allocated: 3.0 GB (used 0.8 GB / free 2.2 GB)

    Java JVM System Properties containing references to Moneydance
    >> java.class.path /opt/Moneydance/.install4j/i4jruntime.jar:/opt/Moneydance/.install4j/launchere5bf2da3.jar:/opt/Moneydance/lib/retrofit-2.10.0.jar:/opt/Moneydance/lib/jackson-core-2.17.0.jar:/opt/Moneydance/lib/annotations-23.0.0.jar:/opt/Moneydance/lib/javax.activation-1.2.0.jar:/opt/Moneydance/lib/kotlin-reflect-1.9.21.jar:/opt/Moneydance/lib/plaid-java-8.5.0.jar:/opt/Moneydance/lib/gson-2.10.1.jar:/opt/Moneydance/lib/moneydance.jar:/opt/Moneydance/lib/appsrc.jar:/opt/Moneydance/lib/kotlinx-coroutines-core-jvm-1.8.0.jar:/opt/Moneydance/lib/httpcore-4.4.16.jar:/opt/Moneydance/lib/okio-jvm-3.9.0.jar:/opt/Moneydance/lib/org-netbeans-swing-outline-RELEASE210.jar:/opt/Moneydance/lib/jcommon-1.0.24.jar:/opt/Moneydance/lib/jgoodies-common-1.8.1.jar:/opt/Moneydance/lib/i4jruntime.jar:/opt/Moneydance/lib/tablelayout-20070421.jar:/opt/Moneydance/lib/natty-0.13.jar:/opt/Moneydance/lib/kotlin-stdlib-1.9.21.jar:/opt/Moneydance/lib/PDFRenderer.jar:/opt/Moneydance/lib/converter-gson-2.10.0.jar:/opt/Moneydance/lib/okhttp-4.12.0.jar:/opt/Moneydance/lib/jgoodies-binding-2.13.0.jar:/opt/Moneydance/lib/commons-logging-1.3.1.jar:/opt/Moneydance/lib/flatlaf-1.6.5.jar:/opt/Moneydance/lib/slf4j-nop-1.7.36.jar:/opt/Moneydance/lib/httpclient-4.5.14.jar:/opt/Moneydance/lib/commons-lang3-3.14.0.jar:/opt/Moneydance/lib/dropbox-core-sdk-6.1.0.jar:/opt/Moneydance/lib/jgoodies-forms-1.9.0.jar:/opt/Moneydance/lib/mdpython.jar:/opt/Moneydance/lib/swingx-core-1.6.2.jar:/opt/Moneydance/lib/VAqua12.jar:/opt/Moneydance/lib/slf4j-api-1.7.10.jar:/opt/Moneydance/lib/jgoodies-validation-2.5.1.jar:/opt/Moneydance/lib/commons-codec-1.5.jar:/opt/Moneydance/lib/commons-collections4-4.4.jar:/opt/Moneydance/lib/backport-util-concurrent-3.1.jar:/opt/Moneydance/lib/antlr-runtime-3.5.3.jar:/opt/Moneydance/lib/commons-logging-1.1.1.jar:/opt/Moneydance/lib/jfreechart-1.5.4.jar:/opt/Moneydance/lib/commons-codec-1.16.1.jar
    >> install4j.exeDir /opt/Moneydance/
    >> python.cachedir /home/john/.moneydance/python/cache
    >> sun.boot.library.path /opt/Moneydance/jre/lib
    >> sun.java.command install4j.Moneydance
    >> java.home /opt/Moneydance/jre
    >> exe4j.moduleName /opt/Moneydance/Moneydance
    >> install4j.jvmDir /opt/Moneydance/jre
    >> install4j.appDir /opt/Moneydance/
    >> user.dir /opt/Moneydance
    >> python.path /home/john/.moneydance/python

    <END>

  6. 6 Posted by bolight on 08 Nov, 2025 01:39 PM

    bolight's Avatar

    Latest update: apparently switching between the files has somehow eliminated the service from the backup file, because this morning downloading all accounts skipped the ML accounts, and downloading them individually put me in the "Setup Online Banking" loop.

    Here is the Online banking config from Toolbox (it is identical for both files):
     ================================================================================================================================================
    SERVICE/PROFILE: Merrill Lynch Investments
     ---------------
    >>Moneydance TIK Service ID: md:1185
    >>Profile's UUID: 85786e0b-0063-4ed6-8652-3e3abc46ce6b
    >>Protocol: OFX
    >>isMoneydancePlusService: False
    >>OFX Version: 102
    >>Service Id: :Merrill Lynch & Co., Inc.:5550
    >>Service Type:
    >>Realms: []
    >>Bootstrap URL: https://taxcert.mlol.ml.com/eftxweb/access.ofx
    >>Needs FI Profile Check()?: True

    >>MD2022+ Online Banking Mapping table entries...:
    Key: map.md:1185::2******* Value: 58deb728-a2cf-4096-b5e7-cb9c01f39274 (ACCOUNT NAME REDACTED)
    Key: map.md:1185::5******* Value: 5e8cd000-4e72-4e92-adcf-a48fb2ef2e7a (ACCOUNT NAME REDACTED)

    >>Accounts configured within bank profile:
    <NONE FOUND>

    >>MD Accounts linked to this service / bank profile:
    <NONE FOUND>

    AuthenticationCachePrefix: Merrill Lynch & Co., Inc.--5550--
    SessionCookiePrefix: Merrill Lynch & Co., Inc.--5550--

    >>ROOT Data associated with service profile:
    Root key: 'ofx.client_uid::md:1185::b******' value: '21dbe21059cc41238828a42e4d5498ac'
    Root key: 'ofx.client_uid_default_user::md:1185' value: 'b******'
    Root key: 'ofx.client_uid::md:1185::n***' value: '21dbe21059cc41238828a42e4d5498ac'

    >>REALMs configured:
    getFIId() 5550
    getFIName() Merrill Lynch Investments
    getFIOrg() Merrill Lynch & Co., Inc.
    usesFITag() True
    usesPTTAcctIDField() False
    getFIUrl()
    getFIUrlIsRedirect() True
    getIgnoreTxnsBeforeLastUpdate() False
    getTxnDownloadOverlap() 1
    getDateAvailAcctsUpdated() None
    getAlwaysSendDateRange() False
    getUseProfileRequest() True
    getUseClientSpecificUIDS() False
    getUseFileUIDs() False
    getUseBPFileUIDs() True
    useTerribleTLSV1Hack() False
    getFIEmail()
    getTechServicePhone()
    getInvstBrokerID()
    usesBillPayExtendedAcctTo() False
    getServiceType()
    getUseShortDates() False
    shouldDecrementLastTxnDate() True
    getSignupAcctsAvail() False
    getSignupCanActivateAcct() False
    getSignupCanChgUserInfo() False
    getSignupCanPreauth() False
    getSignupClientAcctNumReq() True
    getSignupViaClient() False
    getSignupViaOther() False
    getSignupViaOtherMsg()
    getSignupViaWeb() False
    getSignupViaWebUrl()
    getStopChkCanUseDescription() False
    getStopChkCanUseRange() False
    getStopChkFee()
    getStopChkProcessingDaysOff() []
    getStopChkProcessingEndTime() ???
    getDateUpdated() 0 (12/31/1969)
    getLastTransactionID() 0-5d9284e5_539c4fba-10
    getMaxFITIDLength() -1
    getInvalidAcctTypes() []
    ---
      Supports Message Tag: default
      getMsgSetLanguage(msgType) ENG
      getMsgSetRspnsFileErrors(msgType)False
      getMsgSetSecurity(msgType) NONE
      getMsgSetSignonRealm(msgType) DEFAULT
      getMsgSetSyncMode(msgType) LITE
      getMsgSetTransportSecure(msgType)True
      getMsgSetURL(msgType) None
      getMsgSetVersion(msgType) 0
    ---
    getCreditCardClosingAvail() False
    getCustServicePhone()
    getBankClosingAvail() False
    getBankXfrCanModifyModels() False
    getBankXfrCanModifyTransfers() False
    getBankXfrCanScheduleRecurring() False
    getBankXfrCanScheduleTransfers() False
    getBankXfrDaysWithdrawn() 0
    getBankXfrDefaultDaysToPay() 0
    getBankXfrModelWindow() 0
    getBankXfrNeedsTAN() False
    getBankXfrProcessingDaysOff() []
    getBankXfrProcessingEndTime() ???
    getBankXfrSupportsDTAvail() False
    getBillPayCanAddPayee() False
    getBillPayCanModPayments() False
    getBillPayDaysWithdrawn() 0
    getBillPayDefaultDaysToPay() 0
    getBillPayHasExtendedPmt() False
    getBillPayNeedsTANPayee() False
    getBillPayNeedsTANPayment() False
    getBillPayPostProcessingWindow() 0
    getBillPayProcessingDaysOff() []
    getBillPayProcessingEndTime() ???
    getBillPaySupportsDifftFirstPmt()False
    getBillPaySupportsDifftLastPmt() False
    getBillPaySupportsDtAvail() False
    getBillPaySupportsPmtByAddr() False
    getBillPaySupportsPmtByPayeeId() False
    getBillPaySupportsPmtByXfr() False
    getBillPaySupportsStatusModRs() False
    getBillPayXfrDaysWith() 0
    getBillPayXfrDefaultDaysToPay() 0
    getEmailSupportsGeneric() False
    getEmailSupportsGetMime() False
    getInvstCanDownloadBalances() False
    getInvstCanDownloadOOs() False
    getInvstCanDownloadPositions() False
    getInvstCanDownloadTxns() False
    getInvstCanEmail() False
    getSecListCanDownloadSecurities()False

    Raw Parameter keys:
    access_type OFX
    app_id QWIN
    app_ver 2700
    bootstrap_url https://taxcert.mlol.ml.com/eftxweb/access.ofx
    broker_id www.mldirect.ml.com
    fi_id 5550
    fi_name Merrill Lynch Investments
    fi_org Merrill Lynch & Co., Inc.
    force_fi_refresh 1
    id 85786e0b-0063-4ed6-8652-3e3abc46ce6b
    last_txn_id 0-5d9284e5_539c4fba-10
    obj_type olsvc
    tik_fi_id md:1185
    ts 1762608662678
    uses_fi_tag y

    ------------------------------------------------------------------

     ================================================================================================================================================

  7. Support Staff 7 Posted by Maddy on 10 Nov, 2025 01:37 PM

    Maddy's Avatar

    Unfortunately it seems that Merrill Lynch has been phasing out Direct Connect and moving customers to a new connection method.
    This shift aligns with broader industry trends where banks and brokerages are retiring Direct Connect in favor of newer and more secure standards (such as OAuth‑based connections and aggregator partnerships).

    So, you may want to consider switching to Moneydance +.
    This service method requires a subscription but we offer a 30 day free trial, so you can determine if this is suitable for you.
    You can find further details about subscribing and using Moneydance + in this section on the Knowkedge Base.

    I hope this information is helpful. Please let us know if you have further questions or need more assistance.

    --
    Maddy, Infinite Kind Support

  8. 8 Posted by bolight on 11 Nov, 2025 03:20 AM

    bolight's Avatar

    "ML got rid of Direct Connect" is what I thought the answer might be. I suppose I'll wait for those more secure standards to come along, because "give all my passwords to a third-party aggregator" strikes me as significantly less secure, and was the reason I dropped Quicken a few years ago. I have few enough transactions that downloading them manually every week or so isn't a big deal.

    At any rate, thanks for checking.

  9. Support Staff 9 Posted by Maddy on 11 Nov, 2025 12:53 PM

    Maddy's Avatar

    Not at all!
    I completely understand your concern and I thought it might be useful referring you to this blog page outlining "The State of Online Banking" and more information on Moneydance+ and Privacy.

    --
    Maddy, Infinite Kind Support

  10. 10 Posted by bolight on 18 Nov, 2025 12:59 AM

    bolight's Avatar

    Thanks for the article, Maddy. I'm glad IK shares my concerns about privacy and security. and can respect the economic and logistical drivers that lead to Plaid being a least-bad option. My main concern is that aggregators are, basically by definition, targets, and despite everyone's best efforts, I'm passing information through middlemen and have to trust that information stays safe in both directions. The risk is probably lower than I imagine, but that might also be because I've worked on infosec projects; imagining is part of my job.
    Anyway, this is philosophy, as we've already addressed the original problem. I'll keep my eyes open for updates, and honestly if my other accounts drop OFX support I'll probably be trying MD+. Cheers.

  11. Support Staff 11 Posted by Maddy on 18 Nov, 2025 11:10 AM

    Maddy's Avatar

    Thank you for your feedback; it’s appreciated!

    I'll close this discussion for now, but please don't hesitate to get back in touch, if you need further assistance.

    --
    Maddy, Infinite Kind Support

  12. Maddy closed this discussion on 18 Nov, 2025 11:10 AM.

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