NCSECU Transactions Not Downloading

mdubbie's Avatar

mdubbie

20 Feb, 2021 01:38 PM

Greetings:

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: javax.net.ssl.SSLProtocolException: Connection reset

  1. 1 Posted by sth on 21 Feb, 2021 02:04 AM

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    What version of MD?? What OS?

    It looks like NCSECU updated their security certificates and it is not clear if MD recognizes them. Try the latest Preview Release of MD to fix this.
    https://infinitekind.com/preview

  2. 2 Posted by mdubbie on 21 Feb, 2021 01:39 PM

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    Using MD 2019.3 (1880) on macOS 11.2.1. I have tried it with MD 2021 (3032) and get the same error.

  3. 3 Posted by sth on 21 Feb, 2021 02:49 PM

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    I do not think that MD 2019.3 is recommended for MacOS 11.2. But if the newer version does not work then I don't know how to fix it. You can get a bit more information from having the Help->Console Window open while trying to connect, but it sounds like an SSL certificate error and either NCSECU has had their certificates expire or Moneydance has an issue.

    You can try some tools to download the OFX file directly that might give you an idea of where the error is:
    https://infinitekind.tenderapp.com/discussions/online-banking/18262...

    (NOT IK support, just a fellow user)

  4. 4 Posted by dugginsj on 22 Feb, 2021 04:51 PM

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    The same thing has happened to me. Transactions stopped downloading around February 18.

    I updated to 2021 (2006) and that did not fix the problem. I deleted my connections and tried adding them back, but that did not work either. Now instead of getting the popup asking for username and password and then connecting to NCSECU, it just opens the website for NCSECU directly in the Mondeydance window.

    This is the exact same thing that happened in February 2020.

    For the record, I am on a Windows 10 x64 machine. NC SECU only offers CSV downloads, so there is not a satisfactory workaround unless the connection can be reestablished.

  5. 5 Posted by panthersfan on 22 Feb, 2021 05:17 PM

    panthersfan's Avatar

    I've got the very same issue. My error message is same as above. I am running MD 2021 (2006) on MacOS Big Sur 11.2.1

    I dread this problem every time it comes up - ugh!

  6. Support Staff 6 Posted by Jenny on 23 Feb, 2021 11:40 AM

    Jenny's Avatar

    Hi all,

    Sorry to hear about the problems you've encountered.

    We're aware of a problem with the State Employees CU connection, and we've been working to get this resolved. Unfortunately we've not made much progress yet, as any changes we make are still returning an error.

    It is my understanding that the problems last year were caused when State Employees CU decided to remove Direct Connect services. After many complaints from their customers, they re-instated the service.
    We have been trying to make contact with someone at the bank to confirm that Direct Connect remains active, but unfortunately we haven't been able to reach anyone yet.

    If anyone speaks with the bank directly, could you ask them to confirm that they're still supporting 'Direct Connect' services? Your bank must continue to use this specific connection method, as Moneydance will not connect with your bank using Web Connect or Express Web Connect.

    We will continue to troubleshoot the connection problems at our end, and hopefully we'll hear back from a member of the banks technical team soon. This discussion has been flagged so you'll be notified as soon as we have an update for you.

    --
    Jenny, Infinite Kind Support

  7. 7 Posted by panthersfan on 25 Feb, 2021 06:20 PM

    panthersfan's Avatar

    This comment was split into a new private discussion: NCSECU Transactions Not Downloading

    Usually there is a lot of discussion when this problem comes up. Has this been resolved for anyone yet? It is so frustrating.

  8. 8 Posted by mdubbie on 25 Feb, 2021 09:48 PM

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    Still not working for me.

  9. 9 Posted by wildstate1000 on 26 Feb, 2021 12:45 PM

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    I messaged the bank and asked about the direct connect. I explained the issue from February 2020 and the current issue. We need everyone to contact the bank so they know many of us use MoneyDance. We are stakeholders in the credit union and it is in their best interest to keep us happy. I will post again once I hear back from the bank.

  10. Support Staff 10 Posted by Jenny on 26 Feb, 2021 12:52 PM

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    Hi all,

    Unfortunately we still haven't resolved the issues with the State Employees CU connection.
    We've updated our connection information and tried making multiple changes, but we've not yet been able to restore the connections functionality.

    Another customer has helped us reach out to SECU for assistance, but they have said -
    "Unfortunately the only third-party service provider supporting by SECU is Quicken. As such, we cannot provide any technical support or troubleshooting assistance for any other third-party services. You can try checking to make sure your Member Access login credentials are correct and that you are still able to access SECU’s website as normal to ensure that the information provided to any other service providers is accurate. Any further connectivity issues will need to be resolved by the application’s support staff.".

    We will continue troubleshooting from our end, but unfortunately at this time I am unable to say how long it could take for us to get the connection working again.

    We would suggest you contact the bank and request SECU reach out to us. This has helped with other banks in the past - if enough customers get in touch and advise they're using Moneydance, it can make a difference.

    We are also investigating other methods to connect with your bank. Our lead developer is currently looking to support FDX in Moneydance. This is a newer connection protocol that a lot of banks are moving towards.

    You can still update your accounts by downloading a file from your banks website.
    We'd recommend you download using the OFX, QFX, or QIF file format. CSV files can also be imported - the steps are outlined in this article from the knowledge base.

    --
    Jenny, Infinite Kind Support

  11. 11 Posted by panthersfan on 26 Feb, 2021 07:55 PM

    panthersfan's Avatar

    Anyone have a suggested script and contact info to send to SECU. I would be happy to send email about it, but speaking their language in regard to the file formatting and understanding exactly what the problem is makes it hard for me to come up with what to say to them. This stresses me out every time it comes up. I absolutely hate having to enter in every transaction, but I sure do love MoneyDance otherwise. Last year there were a lot of people participating on this thread and sending messages to SECU. Not a lot of comments this time around.

  12. 12 Posted by mdubbie on 26 Feb, 2021 08:00 PM

    mdubbie's Avatar

    I sent the following message to SECU this morning:

    To: State Employees' Credit Union
    Subject: Quicken
    Good Morning:

    I am again receiving an error when downloading transactions into Moneydance Financial Software. I do know SECU only official supports Quicken, but downloading into Moneydance has worked for years. I am including the error message I am receiving today which is the same error message I was receiving this time last year. The SECU apparently resolved this problem last year but it has returned.

    Please forward this to the appropriate department for review.

    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: XXXX

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

  13. 13 Posted by mdubbie on 26 Feb, 2021 08:01 PM

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    This is the response I received from them:

    Date: 2/26/2021
    Subject: RE:Quicken
    From: Carla Niemann
     
    Dear Member,

    Thank you for your message. We currently have restricted access to 3rd parties using the OFX channel (a "direct connection" to account info) except for the software that we have a formal relationship with (Intuit). We are working to vet the additional traffic from other users. We apologize for any inconvenience this may cause you.

    If you have any more questions or issues, please visit your local branch, contact us through secure messaging, or call the Member Services at (888)732-8562. As always, thank you for supporting your Credit Union.

  14. 14 Posted by panthersfan on 26 Feb, 2021 08:18 PM

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    Thank you for sharing what you sent and their reply. I will send something over as well.

  15. 15 Posted by panthersfan on 26 Feb, 2021 09:08 PM

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    This is what I sent and what I received back.

    I am receiving an error when downloading transactions into Moneydance Financial Software. I know SECU only officially supports Quicken, but downloading into Moneydance has worked for years. I am including the error message that I am receiving below, which is the same error message I received about the same time last year. Various members reached out to SECU last year and the issue was eventually resolved. This is very disheartening because it makes finance management take considerably longer.

    Please forward this to the appropriate department for review. I sincerely hope a quick resolution can take place as my family has used MoneyDance for many years and we really don’t want to have to switch to a different system for managing our finances

    --------------------
    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: XXXX

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

    ——————————————

    Good afternoon!
     
    Thank you for your message. We currently have restricted access to 3rd parties using the OFX channel (a "direct connection" to account info) except for the software that we have a formal relationship with (Intuit). We are working to vet the additional traffic from other users. We apologize for any inconvenience this may cause you.
     
    If you have any more questions or issues, please visit your local branch, contact us through secure messaging, or call 24/7 Member Services at (888)732-8562.
     
    As always, thank you for supporting your Credit Union.
     
    Crayton G. Matthews, CFP® AFC®
    Vice-President | Member Services Support
    Office Hours Fri-Sun 5:30a-6:30p
    State Employees’ Credit Union
    888-732-8562
    MLO#682020

  16. 16 Posted by mdubbie on 26 Feb, 2021 09:16 PM

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    Sounds like a corporate response. Perhaps Moneydance could reach out to Mr. Matthews as he is a VP of Member Services to get some traction.

  17. 17 Posted by Stuart Beesley ... on 26 Feb, 2021 09:18 PM

    Stuart Beesley - JUST A FELLOW USER and Toolbox ‘guy’'s Avatar

    .

  18. 18 Posted by mdubbie on 26 Feb, 2021 09:35 PM

    mdubbie's Avatar

    Using MD 2019.3 (1880) on macOS 11.2.2. I have tried it with MD 2021 (3032) and get the same error.

  19. 19 Posted by Stuart Beesley ... on 26 Feb, 2021 09:46 PM

    Stuart Beesley - JUST A FELLOW USER and Toolbox ‘guy’'s Avatar

    .

  20. 20 Posted by mdubbie on 26 Feb, 2021 09:52 PM

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    Not finding what you are talking about?

  21. 21 Posted by mdubbie on 26 Feb, 2021 09:52 PM

    mdubbie's Avatar

    I am getting this error now:

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

    Bank Name: State Employees Credit Union - NC !!Currently Inactive!!
    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: javax.net.ssl.SSLProtocolException: Connection reset

  22. 22 Posted by Stuart Beesley ... on 26 Feb, 2021 10:13 PM

    Stuart Beesley - JUST A FELLOW USER and Toolbox ‘guy’'s Avatar

    .

  23. 23 Posted by mdubbie on 27 Feb, 2021 01:04 PM

    mdubbie's Avatar

    FI refresh is forced
    opening connection with no proxy:
    opening connection with no proxy:
    FI refresh is forced
    Sending message to https://onlineaccess.ncsecu.org/secuofx/secu.ofx
    >>>>>>>>

    OFXHEADER:100
    DATA:OFXSGML
    VERSION:102
    SECURITY:NONE
    ENCODING:USASCII
    CHARSET:1252
    COMPRESSION:NONE
    OLDFILEUID:NONE
    NEWFILEUID:NONE

    <OFX>
    <SIGNONMSGSRQV1>
    <SONRQ>
    <DTCLIENT>20210227080257.442
    <USERID>anonymous00000000000000000000000
    <USERPASS>*
    <GENUSERKEY>N
    <LANGUAGE>ENG
    <FI>
    <ORG>SECU
    <FID>1001
    </FI>
    <APPID>QWIN
    <APPVER>2700
    </SONRQ>
    </SIGNONMSGSRQV1>
    <PROFMSGSRQV1>
    <PROFTRNRQ>
    <TRNUID>
    <PROFRQ>
    <CLIENTROUTING>MSGSET
    <DTPROFUP>20000101
    </PROFRQ>
    </PROFTRNRQ>
    </PROFMSGSRQV1>
    </OFX>

    <<<<77<<<<
    connecting to: https://onlineaccess.ncsecu.org/secuofx/secu.ofx with method: POST
    Connecting to onlineaccess.ncsecu.org
    acceptable protocols: TLSv1.3 TLSv1.2 TLSv1.1 TLSv1
    Connecting with https headers:
    POST /secuofx/secu.ofx HTTP/1.1
    Content-Type: application/x-ofx
    Host: onlineaccess.ncsecu.org
    Content-Length: 573
    Connection: close
    User-Agent: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/52.0.2743.116 Safari/537.36 Edge/15.15063
    Accept: */*
    Date: Sat, 27 Feb 2021 08:02:57 EST
    Accept-Language: en-us
    Cache-Control: no-cache

    ---end headers
    javax.net.ssl.SSLProtocolException: Connection reset
    at java.base/sun.security.ssl.Alert.createSSLException(Unknown Source)
    at java.base/sun.security.ssl.TransportContext.fatal(Unknown Source)
    at java.base/sun.security.ssl.TransportContext.fatal(Unknown Source)
    at java.base/sun.security.ssl.TransportContext.fatal(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketImpl.handleException(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketImpl$AppInputStream.read(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketImpl$AppInputStream.read(Unknown Source)
    at com.moneydance.apps.md.controller.olb.CustomURLStreamHandlerFactory$EchoInputStream.read(CustomURLStreamHandlerFactory.java:549)
    at java.base/java.io.DataInputStream.readLine(Unknown Source)
    at com.moneydance.apps.md.controller.olb.CustomURLStreamHandlerFactory$HttpURLConnectionImpl.beginResponse(CustomURLStreamHandlerFactory.java:366)
    at com.moneydance.apps.md.controller.olb.CustomURLStreamHandlerFactory$HttpURLConnectionImpl.getResponseCode(CustomURLStreamHandlerFactory.java:451)
    at com.moneydance.apps.md.controller.olb.ofx.OFXConnection.sendMessage(OFXConnection.java:2664)
    at com.moneydance.apps.md.controller.olb.ofx.OFXConnection.sendMessage(OFXConnection.java:2568)
    at com.moneydance.apps.md.controller.olb.ofx.OFXConnection.refreshServiceInfo(OFXConnection.java:624)
    at com.moneydance.apps.md.controller.olb.ofx.OFXConnection.initSecureServices(OFXConnection.java:914)
    at com.moneydance.apps.md.controller.olb.ofx.OFXConnection.getTransactions(OFXConnection.java:924)
    at com.moneydance.apps.md.view.gui.OnlineManager.downloadTransactions(OnlineManager.java:560)
    at com.moneydance.apps.md.view.gui.OnlineManager.downloadTransactions(OnlineManager.java:475)
    at com.moneydance.apps.md.view.gui.AccountDetailPanel.lambda$downloadTransactions$0(AccountDetailPanel.java:295)
    at com.moneydance.apps.md.controller.BackgroundOpsThread.run(BackgroundOpsThread.java:136)
    Caused by: java.net.SocketException: Connection reset
    at java.base/java.net.SocketInputStream.read(Unknown Source)
    at java.base/java.net.SocketInputStream.read(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketInputRecord.read(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketInputRecord.bytesInCompletePacket(Unknown Source)
    at java.base/sun.security.ssl.SSLSocketImpl.readApplicationRecord(Unknown Source)
    ... 15 more
      checking for txn logs...
      checking for txn logs...

  24. 24 Posted by sth on 27 Feb, 2021 04:55 PM

    sth's Avatar

    Interesting, it seems that NCSECU replies and then immediately shuts down the connection. We saw that with Schwab as well. As a SWAG (Scientific Wild @$$ Guess) it may be that NCSECU is restricting connections only from certain IP addresses and not their customers in general. This is a "security" move to block repeated password attempts.

    With Schwab IK was able to setup a proxy system that routed all download requests through an IK machine that was authorized to connect. This requires that NCSECU cooperate and authorize IK to access the system. Getting NCSECU to communicate and better, cooperate with IK is the only way forward. TBH, consumer activism works.

  25. 25 Posted by dugginsj on 02 Mar, 2021 07:48 PM

    dugginsj's Avatar

    I reached out to NC SECU as well but pushed back on the auto reply about only supporting Quicken. They asked for my info (name/phone/address/usual branch) and said they'd forward it to someone else.

    I explained the issue is not branch related, but that they need to re-enable Direct Connect. Not sure they knew what I was talking about.

    I looked today and NC SECU is listed with an !!INACTIVE!! tag in MoneyDance. They don't provide any download format except for CSV, so I'm hoping others here reach out to NC SECU. Last year they reversed their decision, but it didn't take this long!

  26. 26 Posted by Dana on 05 Mar, 2021 01:43 PM

    Dana's Avatar

    I am also a NCSECU user. Has anyone received an email address for Crayton G. Matthews mentioned above? II will direct my request directly to him instead of through the message service if an address is available.

    Thanks,
    Dana

  27. 27 Posted by Kevin on 05 Mar, 2021 03:25 PM

    Kevin's Avatar

    Just a note to say I'm another NCSECU member who has now messaged them through their online system to ask for help in resolving the download issue.

  28. 28 Posted by Kevin on 05 Mar, 2021 06:24 PM

    Kevin's Avatar

    I hope other NCSECU members who find this thread will contact SECU and let them know that you are frustrated by this and want them to work with Moneydance to address it. Help keep the pressure on SECU.

    Here is the reply I received from SECU a few hours after messaging them:

    Dear Member,

    Thank you for your message. We currently have restricted access to 3rd parties using the OFX channel (a "direct connection" to account info) except for the software that we have a history with (Quicken). We are looking at the possibility of adding an FDX channel, which will open up connections to many more trusted 3rd party services. While we do not have an available timeline for this possible update, please know we are working diligently towards that end. We apologize for any inconvenience this current situation may be causing you.

    If you have any more questions or issues, please visit your local branch, contact us through secure messaging, or call the Member Services at (888)732-8562. As always, thank you for supporting your Credit Union.

  29. 29 Posted by Stuart Beesley ... on 05 Mar, 2021 06:47 PM

    Stuart Beesley - JUST A FELLOW USER and Toolbox ‘guy’'s Avatar

    .

  30. 30 Posted by sth on 05 Mar, 2021 06:54 PM

    sth's Avatar

    @Kevin and others, I am not an NCSECU member, but in response I would stress a couple of things. One this is change was implemented without notice to many folks using personal finance software other than Quicken. This is a great disservice to the customers to disrupt their work flow with no notice or change over time.

    Second, they do not want to open their own servers to every MD user, but will they work with the MD developers to open a single IP address that MD can use to tunnel their users through. This would be an interim solution until NCSECU and MD can fully implement the FDX and oauth protocol. This is a solution that Charles Schwab adopted to ease the transition and satisfy their customers without undue security risk.

    Lastly, this unpredictable behavior by NCSECU has made it an unreliable financial partner and seriously compromised the relationship with you their customer.

    No threats of leaving unless you are prepared to do so immediately. Just express disappointment with their quality of service. They can figure out the rest. The above points worked for Schwab as a much bigger company with continued response of disappointment from their customers.
    (Scott - Not IK Support)

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