I was prompted in Quicken to change my connection to Wells Fargo connection type due to a "alleged" mandatory change per Wells Fargo. I changed my connection type form Direct Connect to Express Web Connect+ which now does not allow me to pay bills through Wells Fargo since Express Web Connect+ is a one-way connection (download only, I found out afterwards). I spoke with Quicken and they said the change needed to happen and paying through Wells Fargo should be fine and need to get with Wells Fargo for a solution. Of course, I speak with Wells Fargo and they tell me I need direct Connect to pay bills online through them. So I deactivated all my WF accounts and reactivated under Direct Connect and enabled Bill Pay through WF. Now cannot download transactions or upload bill to be paid. Switch back to Express Web Connect+ and I am able to download transactions. With Express Web Connect+ I can only activate Bill Pay through the Quicken bill pay services. Of course, searching this community I see a post that if you are already using Direct Connect no changes are needed and I will not be prompted to change….which I was prompted to make the connection change. Any ideas if it is possible to change back to direct connect and have the ability to download transactions and upload bill payments? Did not work for me when I tried to change back
This is a pure guess on my part since I don't use Wells Fargo, but I'd guess that the direct answer to your question is "No", at least not if you're simply a retail customer. The fidir file shows this for Wells Fargo 03000 03000 03000 Wells Fargo Bank https://www.wellsfargo.com/ 1-800-956-4442 https://connect.secure.wellsfargo.com/auth/login/present ACTIVE BANKING,CREDIT,ACCOUNTINFO,PAYMENT&DIRECT BANKING,CREDIT&WEB-CONNECT BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT NOT_QBP NA So here it shows that Direct Connect can be used with Wells Fargo, but I wonder if this is only available to a certain group of customers, like perhaps customers identified as "Business" customers? It's the Financial Institution that specifies how it allows Quicken to obtain information from their system, so it would be Wells Fargo that made the decision to adopt EWC+. With Direct Connect the Financial Institution (FI) must pay Quicken an annual fee and must also maintain servers on their system to compile transactions into the proper format and allow customers, through Quicken, to directly connect to those servers. Shedding DC in favor of EWC+ saves them money, a powerful incentive to make that move. Perhaps, again just a guess, WFB decided to save some money and move their "retail" customers to EWC+, but still allow "business" customers to use DC? These sort of changeovers don't always work perfectly which might explain how you're able to still use DC for paying bills directly out of Quicken, but not receive downloads.
thewitt65 Quicken Windows Subscription Member ✭✭Hey Tom. Thanks for the reply. That sounds like a viable reason if they (WF) is looking to save money.