NCSECU Transactions Not Downloading

mdubbie's Avatar


20 Feb, 2021 01:38 PM


2 days ago I began receiving this error and transactions for the bank will not download. I removed the account number for privacy. Any suggestions?

There was an error communicating with your financial institution. The details of this error are below.

Bank Name: State Employees Credit Union - NC
Account: CU Checking
Account Number: XXXXXXXX

A communication or parsing error occurred. This could be the result of a network problem, a proxy error, or misconfigured server.
Error Description: Connection reset

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  1. 151 Posted by dtd on 02 Oct, 2021 10:57 PM

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    just a user - I'd refer you to post 146 where Sean responds in detail.

    There is now a PREVIEW release which begins the Plaid integration, which should include NCSECU. Unless you like being a beta tester, I'd recommend waiting until it becomes stable.

  2. 152 Posted by donna on 04 Oct, 2021 12:14 AM

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    I do not mind at all paying for the aggregator as a subscription, if this will solve the problem. After years with MD, Quicken is just not an option for me - I hated it on my Mac, selected MD, and the current Quicken online option is even worse than the PC/Mac versions. Thank you Sean for pushing this forward.

  3. 153 Posted by Dana on 12 Oct, 2021 01:22 PM

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    A close and re-open of Moneydance seems to have solved the error noted below. Now if I can just figure out how to map the two checking and two savings accounts at NCSECU to the proper MD accounts I think everything will be good. Unfortunately, they are only listed by generic "Checking" or "Share" (NCSECU's name for savings) with no balance or account numbers shown.

    I tried again after getting the screen shot below, and it more or less worked. I first connected my BoA account and then tried NCSECU again. Plaid seems to have gone through everything correctly, but I now have 2 "no name" entries under Set Up Moneydance+ and when I try to Refresh I get:

    There was an error communicating with your financial institution. The details of this error are below.

    Bank Name: Moneydance+

    The error code reported by the server was: 0

    Received malformed response: Response{protocol=h2, code=401, message=, url=}
    Error: java.lang.RuntimeException: Could not parse error response

    [Initial message after first attempt]
    I'm trying the Moneydance 2022 Preview version and Plaid based subscription service in an attempt to get my NC SECU transactions downloaded. When I tried to connect to NCSECU I received the following.

  4. 154 Posted by lisa on 13 Oct, 2021 12:15 AM

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    I'm brand new to Moneydance -- purchased v. 2021.1 3069) just last week.

    I've read through this whole NCSECU thread, up through today's post by Dana indicating that the download is now working. I'm not a developer and am unable to follow all of the coding along the way.

    Am I too naive to think that someone can explain to an average person *what* I need to enter *where* in order to import my NCSECU accounts in Moneydance? I pasted in a couple of URLs that I found in someone's code in this thread. But I am flying pretty blind here.

    It seems that Dana figured out how to make it work?


  5. 155 Posted by Scott Kirkpatri... on 16 Oct, 2021 01:17 AM

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    NCSECU and MD+ worked last week and hasn't worked all week again. Plaid is complaining (again) as in Dana's post above.

  6. 156 Posted by Dana on 21 Oct, 2021 12:54 PM

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    Hi Lisa - I'll try to explain what I've figured out, but it took several attempts and is still only working when I remove and re-connect NCSECU. That is, it seems to work once, or maybe one day, and then doesn't work again until I remove the SECU connection and reconnect it through Plaid. Sometimes I receive the Plaid message shown above, sometime I don't.... I assume all of this is a SECU issue since both Moneydance, the "+" subscription and Plaid all seem to be working well with my Bank of America and Chase/Slate accounts. [a side note - my BoA account did not allow download of transactions via OFX before trying MD+ but the MD+/Plaid connection is working great].

    What I think I've figured out is:

    You will need the 2022 version of Moneydance from the Preview page (I'm not sure I should post a link - search for Moneydance Preview and you can find it pretty easy)

    1 - BACKUP your data file!!!!! [I've had no problems, but step 2 can be a pain to recover from if things don't work as you want]

    2 - remove Direct Connect (OFX) connection for accounts you want to connect via Moneydance+/Plaid. If the Direct Connect connection is left in place it APPEARS to take precedence over the MD+/Plaid connection and nothing downloads from SECU.

    3 - [sorry, I don't recall the exact steps to set-up MD+/Plaid] Choose "Setup Moneydance+" from the Online menu and follow the process as you are led through it. This will include setting up a Plaid "account" and following it's process to add your financial institution(s). The process and related questions seem to vary by institution.

    4 - return to MD+ and choose "Setup Moneydance+" again. You may need to close and reopen Moneydance to get new institutions to show up; or the "Refresh" button my cause them to appear.

    5 - then the especially fun part for SECU - match the accounts retrieved from your institution to your MD accounts; SECU lists all checking accounts as "Checking" and share accounts (savings) as "Share" with no account number or balance info available to help know which is which. You can pick one, download the transactions and if they are not for that account, select and delete them while they still appear as new downloaded transactions and then try another account. If someone know a better way please share it!

    I'm sure I've omitted very important steps or information, so everyone please offer corrections and additions.


  7. 157 Posted by Dana on 21 Oct, 2021 03:21 PM

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    And now SECU seems to be completely broken AGAIN!

    Transactions downloaded yesterday (after a disconnect/reconnect). They wouldn't this morning so I tried disconnecting and reconnecting again. Now I get a persistent message that SECU has made a change that prevents you from being able to link your accounts and cannot reconnect.

    I sent the following message to SECU and fully intend to follow through moving my accounts. Can anyone suggest a credit union in NC that works well with Moneydance?

    Message to SECU
    I have recently started using a Plaid based service to access my account data. It has worked intermittently in that transactions will download once but I need to disconnect and reconnect the accounts to get them to download the next time. Today I disconnected to go through that very annoying process and I am now receiving an error indicating that SECU has made a change that prevents you from being able to link your accounts.

    Please address this issue immediately! I am paying for an additional service because SECU made changes a few months ago that prevent my Moneydance financial management software from downloading transactions via direct connect (OFX). I messaged SECU multiple time regarding that issue but no solution was offered - just meaningless references to future possibilities.

    It has reached the point that if this is not addressed before the end of the year, I will seek another credit union to move my checking and savings accounts to. It is quite ridiculous that it is this difficult to download basic transaction data.

  8. 158 Posted by Scott Kirkpatri... on 22 Oct, 2021 01:28 AM

    Scott Kirkpatrick's Avatar


    After unsuccessfully trying to download from NCSECU for more than a week
    (again), I tried what you mentioned. I disconnected and reconnected, and
    relinked my accounts and they downloaded with no problems. Not sure how
    many more times I'll have to do this but Plaid doesn't appear to be playing
    nice with NCSECU.

  9. 159 Posted by Dana on 22 Oct, 2021 06:50 PM

    Dana's Avatar

    Scott - I agree. It seems that I have to reconnect daily. I was not able to at all yesterday, but could again this morning. SECU's response to my message (pretty much same as always):

    Dear Member,

    Thank you for the message. We appreciate your position and understand why there would be frustration when the application seemingly stopped working on a whim. Unfortunately, SECU's policy has always been that we would do no maintenance or support any third party apps except Quicken, as we have a partnership with Quicken.

    Both SECU and third parties often update our applications and because we do not have agreements with these third parties, integration is susceptible to breaking with any change.

    We are working diligently to vet new connection methods as well as the security of the applications themselves as your account security is our number one priority. We hope to be able to resolve this issue soon. Please let us know if you have any further questions or concerns. Thank you.

  10. 160 Posted by Scott Kirkpatri... on 22 Oct, 2021 07:01 PM

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    Yeah, Plaid is constantly saying that they have connectivity issues but
    isn't the linked accounts something between them and MD? It's not like my
    account data has changed at NCSECU.

  11. 161 Posted by Dana on 22 Oct, 2021 07:04 PM

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    It sounds to me like it's a problem with Plaid accessing SECU data. I'm REALLY not sure, but that's what I inferred from the message.

  12. 162 Posted by dtd on 22 Oct, 2021 11:01 PM

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    just a user...

    i'd say it's NCSECU not wanting to work with either MD or Plaid; as they say "it's all about Quicken".

    MD was downloading from NCSECU (on and off) for quite some time, but NCSECU finally just cut it off. ONE of the reasons that MD (Sean) worked to create MD+, as supposedly an aggregator would work with more institutions.

    Seems like Plaid is also "not good enough" (i.e. not Quicken) for NCSECU.

  13. 163 Posted by Scott Kirkpatri... on 27 Oct, 2021 01:20 AM

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    And today I get this when I try to reconnect.

  14. 164 Posted by dtd on 27 Oct, 2021 01:23 AM

    dtd's Avatar

    Yep - sounds like NCSECU doesn't want to work with Plaid either....

    I don't use NCSECU, but I blame the bank not MD or Plaid.

  15. 165 Posted by Jerry Robinson on 27 Oct, 2021 11:34 AM

    Jerry Robinson's Avatar

    Well, IMO- Infinite Kind should remove NCSECU from its list it advertises
    as having the availability of automatic transaction download capabilities
    until this issue is resolved so as to not disappoint more users of MD.

  16. 166 Posted by Dana on 29 Oct, 2021 10:15 PM

    Dana's Avatar

    Today's problem....

    I removed and re-connected my NCSECU accounts in MD+ and now get this response for each of 5 accounts when I try to download transactions. It has been happening all afternoon:

    The account you've connected is being scanned and will be ready for download shortly. Please retry your download a bit later, or contact Moneydance support if it has been more than a few hours.

    Account Number:XXX
    Additional information from the server:
    Error type: ITEM_ERROR
    Error code: PRODUCT_NOT_READY
    Request ID: O9F3dSqKM8uWSkL
    Message: the requested product is not yet ready. please provide a webhook or try the request again later

  17. Support Staff 167 Posted by Sean Reilly on 29 Oct, 2021 10:25 PM

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    Hi Dana,

    Yes, that's a fairly normal error message but it actually doesn't indicate a problem. MD+ (specifically Plaid) is in the process of retrieving your data from NCSECU. I'm not sure how long it usually takes, but if it is beyond 12 hours then let me know and we can contact Plaid to try and track down a more specific status.


    Sean Reilly
    Developer, The Infinite Kind

  18. 168 Posted by Scott Kirkpatri... on 29 Oct, 2021 10:44 PM

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    Plaid is still telling me that NCSECU won't allow it to link my accounts.

  19. 169 Posted by Dana on 30 Oct, 2021 09:31 PM

    Dana's Avatar

    Thanks, Sean. The same message is still displayed today. I can try disconnecting and reconnecting again - some days that works, some days I can't get through the connection process.

    I understand that the problem is with SECU - they really don't want to connect with anything but Quicken and even Quicken users seem to have frequent problems.

  20. 170 Posted by Dana on 05 Nov, 2021 12:48 AM

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    I had time this evening to disconnect and reconnect NCSECU again. Transactions downloaded for all accounts. It's really nice when it works :-)

    It will be interesting to see if it works again tomorrow - I'm expecting no.

  21. 171 Posted by dtd on 05 Nov, 2021 01:01 AM

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    just a user. Keep us informed as to reliability.

    Glad you got transactions tonight.

  22. 172 Posted by dean on 05 Nov, 2021 02:02 PM

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    Are you using Plaid @Dana? I just tried downloading my NCSECU transactions preceeded by a "Disable online banking for this account" then setting up a "New connection" -- no dice. MD 2021.1 (3069)

  23. 173 Posted by Dana on 19 Nov, 2021 02:11 PM

    Dana's Avatar

    I am using Plaid - when I do manage to set it up it works exactly once. The next day it doesn't download any transactions. I have to remove and re-create the connection to get it to download transactions again. Often, after I remove the connection in Plaid I can't re-create it. I can then mysteriously create it again another day????

    As NCSECU is very clear that they only work with Quicken, I assume Plaid is trying to connect without support from NCSECU.

  24. 174 Posted by Scott Kirkpatri... on 19 Nov, 2021 02:14 PM

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    I have the same problems. Most of the time when I try to reconnect my
    accounts, Plaid tells me that either there is communication problems or
    that NCSECU is not letting anyone connect their accounts. Then days or a
    week later, absolutely no problems for only one day.

  25. System closed this discussion on 18 Feb, 2022 02:20 PM.

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