USAA Script to fix the broken download issue

Stuart Beesley (Mr Toolbox)'s Avatar

Stuart Beesley (Mr Toolbox)

24 Feb, 2021 06:40 AM

Need to reconnect to USAA? I have written a (run one-time only) script to make USAA download to Moneydance work again. All it does it fix your connection profile. You simply run once, and then use standard Moneydance. It's not needed again.

This is now the IK recommended fix as they are working on 'medium and long-term' improvements to ofx connections

You must be on MD version 2019.4 (build 1904) or newer (if older, you must upgrade, else usaa will never work again).

[@@ UPDATE Oct 2021: This script is now built into the Toolbox extension (MD2021 onwards) under the Online Banking menu and it also works with MD2022 too. Further, we have worked with Moneydance so that once you have ‘primed’ MD with your USAA specific ClientUID number(s), the standard Moneydance Online Setup will work. Further again, there is now an even simpler way to get the connection working (which we haven’t documented: In Toolbox run the USAA ‘Prime’ option and then just use standard MD Online Setup. Lastly, if you need to get multiple UserIDs working, then Toolbox / Online Banking / OFX Authentication / Edit Multiple UserIds. NOTE: if you still just want the script, it’s still available, read on…. @@]

Following these simple, but complete, PDF instructions will make USAA download to your Moneydance file.

My python script creates a new USAA profile in Moneydance to replace the broken USAA profile. It has been used since Feb 23 by more than 100+ users successfully 😃

This script will allow you to download USAA transactions again. It isn't rocket science, really. You don't have to wait for IK/MD to fix the problem, nor will it stop you from embracing the Moneydance fix if/when it happens. I just fix the connection profile.

NOTE: usaa have changed their download data (content, format). If you get some data duplication afterwards, this is NOTHING to do with the script, it's what usaa are now sending. You simply need to do a one-time cleanup, keep the new data, and that's it.

DISCLAIMER: I have no affiliation with Moneydance. It's entirely possible that this won't work for you. Pretty much the worst that can happen is that your bank logon / service profile won't work - but then it's not working anyway.. You can always just delete the profile and start again, if you wish.


The first thing to do is read the walk through PDF guide: ofx_create_new_usaa_bank_custom_profile.pdf

The latest PDF guide (now version 8a) is always here:

The latest zip file containing the script to fix USAA/Moneydance is at: []

FYI - When you click these links, you may see a blank screen (depending on your browser) and the file(s) will auto download to your downloads folder

You need to unzip this file. The script is called:

Quick Details:

  • Make a backup first.
  • Read the instructions.
  • Once you run the script, Moneydance takes over with the new profile.

PS - If you get issues ensure a) you are connecting from a USA IP; and that any PiHole, Blockers etc are not getting in the way..

If you have problems, post - We love to solve problems.

CREDITS and thanks: @dtd and @hleofxquotes

I am not support, just a fellow user and creator of the very free and most-excellent Toolbox 🧰 extension for Moneydance.
The latest package and Toolbox are on my site: []

  1. 1 Posted by wainscott on 24 Feb, 2021 03:03 PM

    wainscott's Avatar


    Thanks for the work on these. Am I correct in assuming that these aren't expected to work for me, as I'm still running the 2017 version? My current plan is to wait (hopefully not long) until IK gets this officially fixed, then update to that version. But if it drags on too much longer, I might consider updating just so I can use your scripts. Although I'm not sure how I feel about giving IK money for a program I know is crippled...

  2. 2 Posted by Stuart Beesley ... on 24 Feb, 2021 03:43 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    I hadn't actually tested it on 2017, but broadly speaking it might/should work. I see no problem with storing the necessary changes, BUT it depends whether that version of MD uses these settings and / or whether they have changed the method of OFX connections/certificates.

    So, I just ran them... They failed to do with the java version.. So I have fixed that for you and these attached WILL run on 2017. They do setup the profile successfully. However, when you try to connect I get a: "!! Warning: encountered untrusted cert - will save it !!" message and then an error in the console: ' No trusted certificate found'. I suspect MD has updated the certificates in later MD's for the type of connection required.. However I am no expert on this... I expect it's possible to 'stuff' the certificate into MD somehow, but someone else will have to comment on that - sorry.

    What license do you actually own... You might be able to upgrade to 2019 free and that might work? Check here:

    I just tried 2019 (the original scripts run unchanged) and I now get a 'forbidden' message.. This is more promising.. I don't actually have a USAA account so I have no way to actually login.... But I also get forbidden on 2021....

    Or just upgrade to MD2021 anyway, we have a method that gets you working....?

    Anyway, you cannot cause any damage if you run them on a test/backup of your system.. Do do this:
    - File>Export Backup... then - File>Open and select the backup file you just created...

    Run the 2017 scripts on that copy

    Restart MD
    With console open, try to download. See what it says...

    When done, you simply File> Open your original live dataset to get back to where you are...

    You will lose nothing.

    Personally, I would see if you can upgrade to 2019 free and do that anyway... You can actually download and run the 2019 or 2021 versions and see if they work and then decide if you want to buy or revert... (backup first as a safeguard)

    (not support, just a fellow user)

  3. 3 Posted by wainscott on 24 Feb, 2021 04:38 PM

    wainscott's Avatar

    Stuart -- thanks again! I think the 2017 I'm running is from a 2015 license, so I'll probably have to update no matter what I do. My hope was that since there is clearly a fix for this, and your scripts give IK a step by step guide to fixing it, they'll have it resolved very soon. I'd like to hope so anyway. If it drags on too long I'll probably update to 2021 and run your scripts there. But I won't feel good about giving IK money for a broken product that requires a third party patch to work properly...

  4. 4 Posted by Stuart Beesley ... on 24 Feb, 2021 05:02 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    Ps - Symantecs, but don’t think of my code as a patch… It reconfigures the MD profile and then md is operating normally… once you run my code, it’s never used again…

    As I say, you can always download and test before you buy….


  5. 5 Posted by wainscott on 24 Feb, 2021 05:10 PM

    wainscott's Avatar

    Sorry -- I hope I didn't offend you. The "third party patch" was just a dig at IK, that they haven't bothered to fix it yet, but you stepped up and figured it out.

     I'd still want them to fix it. Among other things, I've got 2 credit cards I'd like to download (though I rarely use one -- just for work related travel, which has been pretty non-existent the past year), and I'd want to be able to possibly add accounts in the future.

    Anyway, thanks again for your work on this.

  6. 6 Posted by Stuart Beesley ... on 24 Feb, 2021 05:59 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    Hi, no not at all, I just wanted people to understand that there is not extra code running after the data fix has been applied.... S

  7. 7 Posted by Stuart Beesley ... on 24 Feb, 2021 06:00 PM

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    PS - It's easy to add more CC / Accounts later using the standard online menus once the connection is working

  8. 8 Posted by hbr245b on 24 Feb, 2021 06:16 PM

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    MD2021 user here.

    I was able to use the fix script to re-establish my connection with USAA (6 checking/savings & one credit card).

    CC wasn't recognised initially but easily fixed.

    Thank you!

  9. 9 Posted by Stuart Beesley ... on 24 Feb, 2021 06:35 PM

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    @huw.richards  +1

  10. 10 Posted by Ted on 24 Feb, 2021 06:51 PM

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    Thanks so much for the script Stuart, and thanks to dtd for additional documentation! After backing up, I ran the fix script which fixed my bank accounts but not the credit card. As discussed in the PDF, I changed the online banking setup and selected the credit card, which has a different number with USAA than the actual credit card number for some reason. My 4 accounts are now downloading!

  11. 11 Posted by Stuart Beesley ... on 24 Feb, 2021 07:01 PM

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    @Ted  +1

  12. 12 Posted by wainscott on 25 Feb, 2021 02:21 AM

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    @Stuart. Thanks, seems to have worked. I had to delete one credit card, and the first time I downloaded, the first account failed (error 2000). And the CC wasn't found (error 2003). I tried to just download again, and the first account came through! Fixed the CC in the expected way, and now I'm just missing one CC (which I don't use much). Hopefully IK fixes this soon, and then I can just do the normal "setup online" for that one and I'll be good.


  13. 13 Posted by dtd on 25 Feb, 2021 02:59 AM

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    @wainscott - Stuart and I are researching this as we pursue solutions (and yes hopefully IK will do this too, very soon)

    Try putting a small charge on the CC you don't use much (when was the last time you used it?) - it seems with the change to a third party, some accounts don't show up until you use them.

    Then do the expected way on the little used card, and see if another strange number shows up. Those strange numbers are frustrating, especially if you have multiple cards - which ones go to which? (And yes, Quicken users have complained about the same - how do you link the real number to these strange numbers?)

  14. 14 Posted by dtd on 25 Feb, 2021 03:08 AM

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    @wainscott - did you run the script in 2017/2019/2021? I'd really like to know the extent of Stuart's script on past versions, as MD will fix this only in 2021, as would be expected. Would be nice to know if these scripts can fix past versions.

  15. 15 Posted by wainscott on 25 Feb, 2021 04:59 AM

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    @dtd - I ran it in 2021. It fixed everything I could have expected. I had 2 credit cards, and the first time I tried running it, it refused to run saying it only supported one. So I disabled online access for the CC I don't use much and then the script ran. The other CC worked after I reset the card number according to the instructions given. I'm hoping I can just enable the other CC once IK gets an updated version out that has the right fixes in it, and will just live without that one until then. So at this point, things look to be working as expected, which is a lot better than yesterday...

  16. 16 Posted by Stuart Beesley ... on 25 Feb, 2021 08:43 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    @wainscott. I have a theory that now you have an online profile working, that you can go to online setup and link extra accounts/cards.

    Select the unlinked CC on the left sidebar, menu online/online setup, ensure your new profile is selected and then try from there (it might be the change option). Because your profile is working, it should query the bank and show you all accounts. You might have to play a little.

    Let us know?

    (Not support, just a fellow user)

  17. 17 Posted by Stuart Beesley ... on 25 Feb, 2021 12:15 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    ALL, we believe that once you have used the scripts to create a working USAA bank logon profile, that you can then just use the standard Moneydance Online Menu to add new accounts.. Just select the unlinked account in the left sidebar, then Online menu, then Setup Online Banking, then ensure your new profile is selected and then change/next... Please let us know if this works for you.

    FYI - When you click these links below, you will see a blank screen (depending on your browser) and the file(s) will auto download to your downloads folder

    Latest Instructions always here:

    Latest scripts in the useful scripts zip package always here:

    Direct download here:

    Again, if you use, please post your success, failures, comments here....

    (not support, just a fellow user)

  18. 18 Posted by wainscott on 25 Feb, 2021 02:38 PM

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    @Stuart -- you are absolutely correct. I was able to set up the online connection for my other credit card with 0 problems. Everything is working again now. Excellent! Thanks!

  19. 19 Posted by Stuart Beesley ... on 25 Feb, 2021 03:18 PM

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    @wainscott +2  - thanks for letting us know.....

    All, if you have more than 1 checking account and 1 CC account, then just use these scripts and set up the 1/1 and then after your connection is working, just use the standard MD Setup Online Banking to add/link your remaining accounts...

  20. 20 Posted by Stephen N. Skid... on 25 Feb, 2021 11:39 PM

    Stephen N. Skidd's Avatar

    I'm sorry guys. If it's required be a computer science major, professional coder, or IT professional, this is not good news. Spending hours on "work arounds" to make a money management program run is not my idea of success. Hey, I get it, but let's focus on working with the folks at IK to get this figured out. I wouldn't need IK if I could build code, software apps, and other junk to make a financial software management program. Seriously, if I could write these wonderful scripts and design elegant hacks, why would I even have bought the Moneydance product to begin with?

  21. 21 Posted by Stuart Beesley ... on 25 Feb, 2021 11:48 PM

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    Hi @Stephen N. Skid. I understand your concern and I agree IK just needs to fix this (despite the bank causing the problem). All I would say is that despite the long read me it’s actually super easy and doesn’t take very long at all. Certainly not a science degree. In simple words, the instructions say 1/ make a backup, 2/ login to usaa and get your new credentials, 3/ download and run the script, 4/ enter your details into the script. Probably 10 mins to get your new credentials (which you are going to have to do anyway), 5 mins to download the scripts, 2-5 mins to run. That’s it. Just trying to help. But again, I understand your comments.

    (Not support, just a fellow user)

  22. 22 Posted by Stephen N. Skid... on 26 Feb, 2021 01:45 AM

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    Thank you for your patient response Stuart. Much appreciated.

  23. 23 Posted by Stuart Beesley ... on 26 Feb, 2021 06:36 AM

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  24. 24 Posted by Stuart Beesley ... on 26 Feb, 2021 06:41 AM

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    Latest Instructions always here - updated 26th Feb:

    When you click these you will see a blank screen (depending on your browser) and the file will auto-download to your downloads folder


    Direct download of useful_scripts package here:

    Author's whole site:

    Again, if you use, please post your success, failures, comments here....

    (not support, just a fellow user)

  25. 25 Posted by dtd on 26 Feb, 2021 07:58 AM

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    Having worked for weeks with you on this, Stuart, i must say I'm impressed with the result.

    It works. When do you sleep?

    Actually I know the answer - you need to sleep more.

  26. 26 Posted by Stuart Beesley ... on 26 Feb, 2021 08:15 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    @dtd - thanks for the feedback, yes the links trigger an auto download, depends on your browser.

    You need to click the link and then look in your downloads folder. If you don't like this, use my main site and select the useful_scripts link


  27. 27 Posted by rdmyers.42 on 26 Feb, 2021 01:05 PM

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    How "easy" is it to convert from the standlone solution to your scripts?

  28. 28 Posted by Stuart Beesley ... on 26 Feb, 2021 01:43 PM

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    I assume you mean from the hleofxquotes solution?

    Easy. You already have the credentials, just follow the rest of the instructions, but skip getting the userid, password, clientUUID.

    (Not support, just a fellow user)

  29. 29 Posted by hollidayjr on 26 Feb, 2021 03:20 PM

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    Used your scripts, both checking and credit card worked like a charm and you made it very easy to implement.

    One question- I noted that my clientUUID was only 32 characters and not 36, but all worked as specified.

    Thank you so very much..

  30. 30 Posted by Stuart Beesley ... on 26 Feb, 2021 03:32 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    @hollidayjr  +1 - you are welcome. Glad it was easy.. Yes, I've seen some UUIDs at 32 characters.. I think perhaps USAA accepts with or without the hyphens... Presumably, to get the script to validate your UUID you entered the hyphens anyway?

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