Problems Downloading Transactions From Your Bank

All financial institutions work differently.  When you download transactions from your bank into Quicken, it's not necessarily a direct translation from what you see on your bank's website.  Quicken can only receive what your bank allows.  For more information and easy troubleshooting steps, go here.

Each downloaded transaction is given a unique identifier called an FITID (Financial Institution Transaction Identification). This number should remain unchanged for the life of your account at your bank. If your bank makes changes to the FITID, the result is a duplicate transaction.

There are four possible causes of duplicate transactions.  Before you determine the cause and solution, add the Downloaded ID column to the register with duplicate transactions.

1. Click on the Account Actions gear icon at the top right of the account register.
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2. Choose Register Columns... from the list.
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3. Place a checkmark next to Downloaded ID column, then click Done.
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Now, determine which of the following is affecting your account.

• Mismatched manual and downloaded transactions appear in the account register.
  • If the duplicate transactions both do not have a Downloaded ID, then the downloaded transaction was not properly matched to the manual entry.
    
    Solution: Delete the manually-added entry.

• Downloaded transactions appear twice, with different Downloaded ID.
  • If your bank and/or their service provider is making changes to how they present data to Quicken, there is the possibility that they may transmit the same transaction with 2 different IDs.
    
    This is in violation of OFX Specification, which advises that the Downloaded ID must remain static for the life of the account at the financial institution. Quicken relies on that ID to determine if the downloaded transaction is new to your file or if it has been downloaded previously.
    
    Solution: Contact the Online Banking Support for your bank (Tools menu > Online Center > Contact Info) to request they escalate to their OFX team or service provider in order to resolve this issue for all their Quicken customers.
    
    Quicken Support cannot resolve non-static IDs, as we do not have access to the financial institutions servers or the customer account data held on them.

• Transactions are downloaded through Quicken AND a manual download from your bank's website, resulting in different ID numbers and duplicate data.
  • Solution: Don't to mix your methods for getting transactions from your bank. If you want to download from the website, try to stay with that method. If you decide later that you want Quicken to update automatically rather than performing this manual process yourself (or vice versa), be mindful that you may encounter duplicate transactions on that first change of process. You will need to manually delete the duplicate transactions.

• Deactivate and reactivate your account to change the connection method causes downloaded transactions to appear again.
  
  This is typically a one-time event. If you have not deactivated and reactivated your account in Quicken, this does not apply to you.
  
  If you find that this is not a one-time event, and duplicates continue to download, you may require the assistance from either the Online Banking Support for your financial institution or from Quicken Support.
  
  Please contact Quicken Support if this applies to you. Be prepared to provide your OFX and Connlog files when contacting either support team to determine and resolve the root cause.