Online banking with PNC Bank - "Customer ID or PIN is not valid"

Michael Posch's Avatar

Michael Posch

24 Apr, 2019 01:55 AM

I've just begun using Moneydance, and I'm unable to use online banking. When I try to connect to PNC bank (i.e. with "Download All Accounts" etc), it says "Customer ID or PIN is not valid" (I tried using both my password and PIN - neither works). I'm using the same login info that I use on PNC's site - I have no problems logging in to that site. I called PNC and they said that if unsuccessful login attempts were made they would be recorded and they would be able to see it, but they're not seeing any.

  1. 1 Posted by derekkent23 on 24 Apr, 2019 07:34 AM

    derekkent23's Avatar

    I am not support staff, just a user.

    It could be you need to set up Direct Connect by talking to you bank. It would be unusual if you online and direct connect passwords were the same see

    When you talk to your bank say "Please enable Direct Connect on my account so that I can connect to your servers directly with Quicken. Also give me the login credentials I need to connect to this service." As linked article.

    Hope this helps

  2. 2 Posted by mick on 24 Apr, 2019 11:56 AM

    mick's Avatar

    Thanks…I’ll try again tonight when I have time.


    I’m already able to use online banking with Quicken…do you know if I need to change my login credentials for MD?

  3. 3 Posted by derekkent23 on 24 Apr, 2019 02:49 PM

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    I am not support staff, just a user.

    Sorry I don't know the answer to that one.

  4. 4 Posted by dwg on 24 Apr, 2019 11:03 PM

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    I'm a fellow user.

    There are two technologies that can be used for the automatic download of transactions from Financial Institutions. The first of these is known as Direct Connect or Open Financial Exchange (OFX). This is an open solution and is freely available to any Institution or software vendor to use. It is commonly implemented as a separate system to your Bank's Internet Banking and often required specific activation of the service and even a different username/password from your normal internet banking. Depending on your bank this solution can support downloading of transaction information as well as services like online bill payment.

    The other solution is Web Connect, or more accurately Quicken Web Connect. This solution layers on top of the bank's normal Internet Banking service and provides for the download of transaction information only. Given how it it implemented it uses your normal Internet Banking username/password. As I've implied this solution was developed and is owned by Quicken it is not freely available to other vendors.

    Quicken supports both Direct Connect and Web Connect. If you are using Direct Connect with Quicken it should work with Moneydance using the exact same username/password.

  5. 5 Posted by Mick on 25 Apr, 2019 02:04 AM

    Mick's Avatar

    I got this working now.

    Just for the record: If you're switching from Quicken to MD and are having no problems accessing PNC bank with Quicken using Direct Connect, then, as dwg points out above, you should be able to use the same login credentials with Moneydance. I think you can find that info buried somewhere in Quicken (if you use the Password Vault, Quicken is automatically entering those credentials behind the scenes when you connect to the bank). In my case the "Customer ID" that MD is asking for was my Social Security number, and the "Password/Pin" was a 4-digit number that fortunately I had written down somewhere.

    Thanks to dwg and derekkent23 for the help!

  6. System closed this discussion on 25 Jul, 2019 02:10 AM.

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