Error attempting to download Schwab brokerage accounts
Today I finally gave up and started a trial of Moneydance+ so that I can download transactions for my Schwab accounts. I was able to link the accounts successfully. I removed the OFX connection with Schwab using the toolbox. Now I AM able to download transactions for my Schwab checking account, but all of the brokerage accounts get the following error:
Screen_Shot_2022-08-18_at_1.59.10_PM.png
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1 Posted by dtd on 18 Aug, 2022 10:50 PM
just a user
just some thoughts
Maybe Schwab is down for your timeframe.
Have you set up permissions for third party access to your account?
Glad at least the checking account works, but as you point out, that is Schwab bank versus Schwab Brokerage.
Hope that gives you a lead. [To give you hope, I have two schwab bank accounts and three investment accounts all working]
2 Posted by hardincolo on 19 Aug, 2022 12:11 AM
I have set up third party access.
What do you mean maybe Schwab is down for my timeframe?
I've got 2 different sign-ons for Schwab (one for my my husband and one for me), and multiple accounts each and I've tried to download several of them and they all get the same error message.
I've updated my version of Moneydance, I've closed and re-opened the program multiple times. I've disconnected and re-connected and refreshed the connections multiple times and nothing has helped.
3 Posted by hardincolo on 27 Aug, 2022 04:15 PM
I posted this over a week ago. Nothing has changed and no help from Infinite Kind staff.... I think it's time to start looking at different software options. I had a previous issue with moneydance that languished for years and was never resolved. Not happy with their support.
4 Posted by dtd on 27 Aug, 2022 05:37 PM
just a user...
"Maybe Schwab (or Plaid) is down for your timeframe" means that those companies may not have been working correctly when you tried.
Here is a link to your probable issue:
https://plaid.com/docs/errors/api/
Note that it primarily mentions third party access, which is why I asked.
When you say you updated moneydance - saying the specific version (LIKE 2022.5 (4091) WINDOWS) allows others to help more.
Similar to the third party access question - just "I've done this" doesn't allow others to think about it with you. Posting pictures often helps. For example, do you specifically have the third party access button enabled in your schwab account. (I just looked at mine, I have it enabled, but am disappointed it still says "Quicken/Turbotax" and OFX still mentioned. They probably didn't change the text, but it makes me wonder if I have to look somewhere else [but mine is working, so I didn't try]
On your Moneydance+ accounts page, are all the accounts listed and connected properly? A picture would be useful there as well (redact any sensitive data). Did you set up Schwab twice for your multiple accounts? There might be an issue there, but as "just a user", I only have one login for Schwab. I do have two for Barclaycard, and did set up the institution twice.
You may have done all this perfectly fine, but remote support does always start with "is your computer plugged in", which is why I'm basically repeating what I asked last week - seeking more detailed information, which, as you point out, is what IK staff should have done by now.
5 Posted by hardincolo on 27 Aug, 2022 06:18 PM
I upgraded my Moneydance to version 2022.5 (4091) on a MacBook Pro. I subscribed to Moneydance+. I was able to connect to Schwab using my Schwab login through Plaid. I saw my accounts listed. I linked them. I tried to download a brokerage account and got an API error. Tried other linked accounts and got the same.
I looked around the support issues and saw the problem with old links with OFX connection, so I ran the toolbox as instructed to remove the connection with Schwab.
I connected through Plaid again. Same issue.
I've tried (just tried again) to "Refresh" the connection to Schwab. Moneydance+ indicates that it's successful, but same error occurs.
I've tried (just tried again) to disconnect the connection to Schwab. It then shows an unnamed connection. I've deleted the unnamed connection. Closed and re-opened Moneydance. Unnamed connection is gone. Did "Set up a new Connection" again. Selected Charles Schwab. Entered sign-in information. Accounts are all listed in Plaid interface. Go to Moneydance and link listed accounts with my Moneydance accounts. Try to download and screen shows the following download options (includes a blank option now). I choose the option that is linked and still get the API error.
I've verified on both of my Schwab sign-ons that they allow third party access.
I'm stuck.
It's strange that I've got a connection set up with Schwab through Plaid with multiple linked accounts, and ONE account works -- the checking account. ALL others (brokerage accounts) fail.
6 Posted by dtd on 27 Aug, 2022 07:03 PM
Great info. Sounds like you are doing all the right things.
Schwab Bank and Schwab Brokerage are technically separate, which is why one might work, but not investments.
The API error still suggests some problem with the OAuth process - so thanks for showing the enable third party access screen. If I were at this point, I'd try calling Schwab and asking if there is something else you need to do to make it all work (and maybe start by saying Quicken or Plaid, but don't say Moneydance, as Schwab has learned to discount Moneydance since Schwab wouldn't let them join in given no U.S. presence (which is why MD+ basically exists).
And I'm sure you know that you'll have to get past probably one or two layers to find someone who even might be able to help.
7 Posted by dtd on 27 Aug, 2022 07:04 PM
Oh, and I would mention the bank working, but the brokerage not working, as that shows you know what you are doing (even if they tell you the same thing about separation). It also might give them a clue as to what might be the disconnect.
8 Posted by dtd on 27 Aug, 2022 07:08 PM
And I probably don't need to mention this again (but I will).
Quite a few people do have all their Schwab brokerage accounts working, so it CAN work - we just have to find out why yours is not.
9 Posted by dtd on 27 Aug, 2022 07:30 PM
just a user, thinking - have you tried setting up the second Schwab Plaid linkage with your husband's login/password and seeing if his work, or it's the same thing (bank works, investments don't)?
Also (and this is a long shot, I doubt it would work) - you might want to create a new investment account named something like "Schwab test" and link any one of your investment accounts to it, and see if it is the same, I'm 90% certain it will be, but sometimes the older accounts can not work correctly (i.e. OFX issues, that you found as well).
Just some thoughts (and what I would personally try if this issue were mine)
10 Posted by hardincolo on 27 Aug, 2022 07:50 PM
An interesting update: I had previously set up two Schwab Plaid links (one for my sign-on, one for my husband's). As you would expect, we have multiple overlapping accounts -- including our checking account. NONE of the brokerage accounts listed under his sign-on download, nor do mine.
The NEW information: I linked my kids sign-on's (two sign-on's for two kids) through Plaid (which I had not tried previously). The checking account is not connected with them. Their brokerage accounts download fine.
11 Posted by dtd on 27 Aug, 2022 10:36 PM
just a user - so, it is Schwab, in some way, not Plaid or Moneydance.
Not that we know what the "in some way" even means yet.
It might be the checking account, but at this point I'm betting on overlapping accounts in some way.
Do the two kids have overlapping accounts, or do they have two sign ons for totally different accounts?
My spouse and I actually do have two logins, but there is a full overlap, and I don't want to download twice to any account, so using my login is comprehensive (and works), and we actually have two non-investment accounts (i.e. checking type).
So, obviously I can't help much more (other than tell you what works for us), but I think you are finding clues to what might be the problem overall - and if you pin it down further, maybe Schwab can help fix it.
I assume you created brand new accounts for your kids downloads - did you try the same for the ones that don't work for you? [Again, I don't THINK that will matter, but I often find strange things upon investigations)
12 Posted by hardincolo on 27 Aug, 2022 11:05 PM
I'm not sure that it's the overlapping accounts because I initially only set up Plaid with my husband's login and had the problem from the beginning. I then tried with my login and had the same problem. If I disconnect the Schwab/Plaid connection to my login, I still have the problem. I suspect the checking account, but it's interesting that you don't have this problem...
13 Posted by hardincolo on 27 Aug, 2022 11:20 PM
Just tried to disconnect my husband's login and only use mine. He's got some retirement accounts that are managed by a firm outside of Schwab, so I thought maybe that was the problem? No dice. Still have the issue with only my login. I can still get Schwab banking transactions (checking account), but no investment accounts....
14 Posted by dtd on 27 Aug, 2022 11:23 PM
Yes, at this point, we've sussed out the issues to a more direct point, but now it is back to guesswork as to why your two particular accounts won't download. I don't have much more to say at this point, but will kibitz if you find more info.
15 Posted by dtd on 27 Aug, 2022 11:24 PM
I still hope that IK will weigh in, but I have a feeling they won't have much more to say than what I've said.
16 Posted by hardincolo on 27 Aug, 2022 11:33 PM
Thanks for your input. IK is proving to be about as helpful as with my previous issues. Which is not very.... I've been with Moneydance since 2014. It may be time for a change.
17 Posted by sth on 28 Aug, 2022 02:40 PM
For Brokerage at Schwab, I have a non-overlapping bank account, 3 non-overlapping accounts, and one non-overalapping account under another login. This all seems to be working for me. For the overlapping accounts, I have used my login. And then set up another login for the one non-overlapping account that is not on my login. The MD+ setup for these accounts I have attached.(Redacted)
I would suggest removing all the MD+ Schwab connections and set it up from scratch. Set up all the accounts that your login connects to (your non-overlapping and your overlapping). Then setup those for the other login that are non-overlapping.
Note under the second login, I did not select an account for the joint tennant account since I already covered it under the first login.
(NOT IK support)
System closed this discussion on 27 Nov, 2022 02:50 PM.