Online Downloads not working: information line suggestion (discover/schwab/usaa, and others)

dtd's Avatar


03 Feb, 2021 10:25 PM

Given the changes that have occurred, and will probably continue to occur with direct connect, I'd like to suggest what I think would probably be an easy change.... when one of these banks break direct connect, rather than saying nothing (i.e. no "zero transactions downloaded") a line that says instead - something like "bank connection was not made".

I think that would eliminate a lot of confusion... and maybe add "try again later" as sometimes it's just a temporary glitch.

  1. 1 Posted by dwg on 03 Feb, 2021 10:31 PM

    dwg's Avatar

    That could be tougher than what you think. Software can only react to what come back to it, so it depends on what sort of message comes back. It may get nothing or it may get something that makes it look OK but no data which makes you think there are no transactions to download or it may be something in between. There is just no telling, and from seeing some of the messages over the years it is not consisitent.

  2. 2 Posted by dtd on 03 Feb, 2021 10:59 PM

    dtd's Avatar

    Agreed, which is why I said "probably".... I've encountered the same issues in my I/T years - the question is ... is there a difference between "zero downloads" and "not connecting" - the fact that there is ALREADY a difference (i.e. zero downloads vs nothing posted at all) suggests a methodology to put SOMETHING there versus nothing. [even if it is "i don't know what happened, I have nothing to say"]

    But, your point is well taken.

  3. 3 Posted by hleofxquotes on 04 Feb, 2021 12:25 AM

    hleofxquotes's Avatar

    That could be tougher than what you think.

    In most case failure will come back with contentType NOT

    Content-Type: application/x-ofx

    That should catch %99 of the cases I've seen

    Another word, per spec, valid response should have

    Content-Type: application/x-ofx

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