CapitalOne 360 initial configuration

Brian Riedel's Avatar

Brian Riedel

05 May, 2019 06:01 PM

I'm a new Moneydance user trying to initially configure Direct Connect access for various accounts and, after entering my CapitalOne 360 credentials, I get the Moneydance error in attached image.

When I call Capital One, the nice agent tells me that they no longer offer access code enrollment, essentially due to an enterprise-wide security concern, and she tried to redirect me to another desktop app that meets their security standards (e.g. Quicken, yecch).

Has anyone else encountered this and, more importantly, found a solution?

If not, it may be a Moneydance dealbreaker for me.

  1. 1 Posted by sth on 05 May, 2019 06:25 PM

    sth's Avatar

    Note that only "Capital One Investing" is listed as a supported institution. That may not be the same connection as Capital one 360 that you are trying to connect to.

  2. 2 Posted by Brian Riedel on 05 May, 2019 06:49 PM

    Brian Riedel's Avatar

    No, I really don't think that's it.

    1) There are other threads in this forum related to folks accessing their CapitalOne 360 accounts.

    2) See 2 attached images. CapitalOne Investing a) finds my account, and b) asks for my authentication credentials before returning the above mentioned "enrollment" error. It appears that Moneydance's connection protocol is no longer supported?

  3. 3 Posted by sth on 05 May, 2019 09:48 PM

    sth's Avatar

    Hmm. There are some "tricks" that institutions play that make things in compatible. If it gets as far as it does then it should be able to get the list of account IDs from Capital One Investing. But it seems that you need a separate PIN for access from a personal finance management utility than from the normal web login. I guess this is their idea of "extra security". As a dabbler in cyber security, I disagree that more passwords make you safer. Did you follow the instructions at

    To get an access code (PIN, Password, whatever they want to call it)

  4. 4 Posted by dwg on 05 May, 2019 10:54 PM

    dwg's Avatar

    I'm a fellow user.

    According to reports from late last year CapitalOne 360 have dropped support for Direct Connect, see for example:

    To add insult to the injury reports over the last week or so suggest they have now stuffed up manually downloaded OFX files:

    As far as it being a "Security Issue" I regard that statement as BS. There is no reason that I can see that direct connect should be any less security than Web Connect (which is what I would think Quicken is using - and it is proprietary) and therefore of Internet Banking which is what Web Connect is layered on and on that basis I would say that it should all be turned off ....

    I really expect that the support channel is using Security as an excuse. it is something that many users will blindly accept, with the result the call is closed the support people can write it up as another closed call and add it to their stats.

    Why turn Direct Connect off, that is easy it reduces costs, Web connect is cheaper as it is layered on top of other infrastructure and I expect Quicken to price its usage so it remains cheaper, also Quicken is the big player so others don't matter.

  5. System closed this discussion on 04 Aug, 2019 11:00 PM.

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