USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

Product Version
Windows Subscription
Mac Subscription

Who is this FAQ for? 

Quicken users downloading from USAA Federal Savings Bank via Direct Connect who get an OL-220 error on Quicken for Windows or HTTP 405 error on Quicken for Mac starting Jan 26, 2021. 

What happened? 

USAA did a security update that requires all existing (as of Jan 26, 2021), Direct Connect users to reconnect their USAA Accounts in Quicken using their newly upgraded servers.  

What do I need to do now? 

If you are using USAA Federal Savings Bank via Direct Connect and get an OL-220 or HTTP 405 error, then follow these instructions to reconnect. 

Note: As of 1/28/2021 at 12:30pm PST: Please note that even after you complete these steps you may still see an error for USAA accounts on the Quicken Mobile or Web App. This is a known issue and we are working with USAA to correct this problem as soon as possible.

Before you begin

We have observed issues that some customers experience (see the Known Issues section below).  We are working with USAA to fix these issues, but if you don’t need your transactions immediately, we would suggest waiting 1-2 days before switching to the new USAA bank instance.

Instructions

Quicken for Windows

Deactivate and reactivate the affected accounts, making sure to select the correct NEW bank name:

  1. Open the Account List: Tools > Account List
  2. For any USAA account with an OL-220 error, click on the Edit button near the Account Name to display the Account Details window. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. In the Account Details window click on the Online Services tab, then click the Deactivate button. 
    • If you have more than one account with USAA (checking, savings, etc.) Deactivate all of your accounts before attempting to reconnect. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. Next, switch to the General tab in the same window.  
    • Delete name in the Financial Institutions field. If you have more than one account with USAA (checking, savings, etc.) do this for all of your accounts before attempting to reconnect. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. Return to the Online Services tab, then click the Set up Now… button. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. On the search window, search for this name exactly: “USAA Federal Savings Bank – NEW” 
    • NOTE: Do not click the USAA icon on the first screen of the Add Account flow. Type to search. Also make sure to select the NEW listing. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. Click "Get Access ID and Pin" in the yellow box on the right in Quicken.  This will open the USAA website.   
    • NOTE: you must use the USAA Access ID and Access PIN to connect via Direct Connect. Do not use your USAA Bank website credentials. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. Sign in to the USAA website; if you experience an error, open a new browser window and go to the website again to log in.  After you log in, you will see the option to give Quicken access to USAA.  Click Allow to see your Access ID and PIN.

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. After you sign in to your account in Quicken with your Access ID and PIN, you will be asked to link your downloaded USAA accounts with the existing accounts in Quicken. These should have matched automatically, but you can verify on the Link Accounts screen. The option should say Link. (If you do not want to download an account, set it to Ignore.) 

After you complete these steps you should be able to download transactions into your USAA accounts again.  

Quicken for Mac 

Deactivate and reactivate the affected accounts, making sure to select the correct NEW bank name:

  1. Select any USAA account with the HTTP 405 error and open the Account Settings window: Accounts > Settings….  
  2. In the Account Settings window, click on the Downloads tab at the top and then click the Disconnect Account button. This screen should update. 
    • If you have more than one account with USAA (checking, savings, etc.) Disconnect all of your accounts before attempting to reconnect. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. On the same screen, click the Connect Account... button. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. On the search window, search for this name exactly: “USAA Federal Savings Bank – NEW” 
    • Type to search. Also, make sure to select the NEW listing. 

USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  1. Click "Get Access ID and Pin" on the right in Quicken.  This will open the USAA website.   

    USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  2. Sign in to the USAA website; if you experience an error, open a new browser window and go to the website again to log in.  After you log in, you will see the option to give Quicken access to USAA.  Click Allow to see your Access ID and PIN.

    USAA Bank Direct Connect Customers with an OL-220 or HTTP 405 Error

  3. After you sign in to your account in Quicken with your Access ID and PIN, you will be asked to link your downloaded USAA accounts with the existing accounts in Quicken. These should have matched automatically, but you can verify on the Link Accounts screen. The option should say Link. (If you do not want to download an account, set it to Ignore.)

After you complete these steps you should be able to download into your USAA accounts again. 

Known Issues

  1. Payments and Deposits being reversed: please go to Help > Report a problem in Quicken and submit your log files with the subject “USAA reverse transactions” – we will use this information to identify the issue to USAA so it can be fixed.
  2. Incorrect account number: USAA is sending account numbers that appear incorrect; these are actually ‘fake’ numbers, as a new added security measure.  This will not impact your account, but we are discussing this with USAA.
  3. Error OL-301-A after updating: please follow the steps here.
  4. Error OL-332: this error indicates that you may be using incorrect credentials; USAA now requires you to use the Access ID and PIN to download transactions into Quicken.  Please follow the steps above to obtain your Access ID and PIN.
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