Difference between revisions of "OFX Direct Connect Bank Settings"

Revision as of 14:40, 30 July 2015

Here are some settings for banks and credit cards. Follow this link for instructions on setting up OFXDirectConnect in GnuCash 2.

General instructions

• Bank Name may not be significant.
• ORG may be case sensitive.
• Bank Code is probably not used for credit cards, but may be critical for bank accounts.

Note: 2.4.0 doesn't seem to enable the "Online Actions" menu if the Bank Code is not defined. It can be set to some nonsense numerical value like "1" as a workaround.

It is usually the same as the bank's ABA routing number. You can find routing numbers here: [1].

• Userid and Username are usually the same.

• If your bank does not appear on the list, you can attempt to
  • contact your bank (usually does not work).
  • Or you can check out ofxhome which has a searchable database of OFX information.
  • Intuit lists banks' OFX support at [2]. There are different icons for Direct Connect and Web Connect.

• Quicken provides access to a log of the OFX Send/Recv SGML text, which is the same text you can find for AqBanking when you create the AQOFX_LOG_COMM system variable in Windows. In some cases, it might be worth paying the $40 to buy Quicken and get access to its logs, if only to learn how to configure AqBanking correctly.

• When you do find the right settings, please add them to this page!

Table of bank specific parameters

Notes on banks

BofA, CA

The information listed here was verified to work for BofA California. It will most likely work with BoA accounts in other States. You need to call 1-800-792-0808 and ask the CSR to "enable transaction downloading in Quicken". There may be a $9.95 monthly charge for this convenience for consumer customers. But the fee is waived for me because I have monthly direct deposit. Once enabled, you can download transactions for all the accounts that are linked in your online banking. Other information you may need to set up the OFX Direct Connect is BankID = "121000358". --DS 14:08, 5 December 2006 (EST) As of 2007-10-29 direct connect is not available in WA and ID, it should function in all other states.

BofA, NY

As of 2013-10-13:

• Bank of America OFX service for Online Banking customers (an OLB ID and Direct Connect enablement is required first) changed last October. The Org/FID must be "HAN" and "5959" respectively. The URL noted below is incorrect. Please use: https://eftx.bankofamerica.com/eftxweb/access.ofx

As of 2009-04-06:

• A call was required to enable Quicken download - there was initial resistance to attempting to enable this for a credit card only account.
• They didn't balk at the mention of GnuCash, but mentioned they didn't have instructions to assist in setup.
• There was no mention of any monthly fee associated with having the service enabled. This may work for accounts outside of NY (YMMV).
• After entering the bankName as the bankCode (051000017) the account download feature works. Once the accounts are downloaded and assigned then the transactions can be downloaded. (This is all from GnuCash 2.2.8. after following the instructions for setting up OFXDirectConnect in GnuCash 2 with respect to correcting OFX download failures on Windows.)
• Shown here are the settings.conf entries which allow download for BofA credit card accounts out of New York:

users {
  user {
    int  uniqueId="335"
    char backendName="aqofxconnect"
    char userName="<your name>"
    char userId="<your id>"
    char customerId="<your id>"
    char country="US"
    char bankCode="051000017"
    int  lastSessionId="0"
    data {
      backend {
        char fid="6805"
        char org="HAN"
        char serverType="https"
        char serverAddr="https%3A%2F%2Fofx.bankofamerica.com%2Fcgi%2Dforte%2Fofx?servicename%3Dofx%5F2%2D3%26pagename%3Dbofa "
        char flags="account%5Flist", "statements"
      } # backend
    } # data
  } # user
  } #users
accounts {
  account {
    int  uniqueId="336"
    char country="US"
    char bankCode="051000017"
    char accountNumber="<cc number>"
    int  user="335"
    char bankName="051000017"
    int  accountType="2"
    char accountName="Credit card <cc number>"
    char provider="aqofxconnect"
    provider {
    } # provider
  } # account
} # accounts

American Express

"ORG" must be AMEX (case sensitive).

Capital One - credit card

Customer service states that Capital One does not support Direct Connect services for credit card accounts (as of 6/15/09). However, a manual download of transactions from the web browser online access in ofx format, and subsequent import into GnuCash, is possible and works well.

Charles Schwab Bank

Account type must be set to "Checkings", or "CHECKING", as it appears in the OFX request. Account number may need to be padded with leading zeros to make it 17 characters [3] Indigo 04:38, 8 January 2011 (UTC)

Does not work with brokerage accounts at Charles Schwab. Chad.burrus 11:07, 12 January 2008 (EST)

I have been able to access a Schwab Brokerage account with the following settings: FID: 5104; ORG: ISC; Broker ID: Schwab.com; Server URL: [https://ofx.schwab.com/cgi_dev/ofx_server] (Some of this info came from: [4]) Using this connection setup I can connect and download the correct account numbers in aqbanking druid. However when I try to download balance or transaction info from the Gnucash account register, the download appears to run, logs "success," but then Gnucash crashes. --Jdbosmaus 01:38, 21 February 2008 (EST)

[https://ofx.scbwab.com/cgi_dev/ofx_server] is a phishing site, they are stealing passwords. It's not a schwab website. --Kazia 17:34, 15 November 2008 (EST)

OFX access to my Schwab brokerage accounts stopped working in August, 2013. On March 10, 2014, I contacted Schwab Customer Service, and I was able to access my brokerage accounts again by changing the FID from 5104 to 8888. -- Dkgibson (talk) 22:04, 11 March 2014 (UTC)

Chase

OFX access may need to be enabled by visiting https://resources.chase.com/secure/CustomerCenter.aspx Customer Center / Reference Center / Tools / Activate Money, Quicken, etc. $9.95/month Access Fee.

Citi Credit Card

Works correctly with username and password used for logging into the citi.com web site, but only after changing the password to remove special characters. I am not sure which special character was the culprit. The symptom prior to changing the password was that, during setup, the attempt to retrieve the list of accounts caused the connection to terminate without receiving any response (error or otherwise).

E*Trade

Only seems to work with brokerage accounts. E*Trade has another ABA number you might try as the bankCode 056073573, this Server URL is also mentioned https://64.14.19.49/DataFeedAPI/ , also you could try a brokerId of "etrade.com". This link says that E*Trade bank only supports Web Connect not OFX http://web.intuit.com/personal/quicken/details.cfm?type=basic&fidetails=E%2ATrade%20Bank&qwid=qw1600&qmid=qm1600&qbid=qb1700&qbmid=qbm1700&country=

TD Bank

These settings worked for TD bank in MA. In the AqBanking Wizard create your User with these settings:

• User Name, User Id, and Customer Id - only important one here is your User ID which is your online banking user ID
• Bank Id = Use your bank routing number found on your check. I'm not sure how important it is
• FID is 1001, Org is CommerceBank, Broker Id does not matter (for just banking), server URL is https://ofx.tdbank.com/scripts/serverext.dll like in the above chart

This is the key piece:

• Under Server Capabilities Check the following:

Supports Account List Download

Supports Statement Download

• Under Server Options Do Not Check Anything:
• Under Expert Settings APPID:QWIN APPVER:1800 and Header Version: 102
• Then you press Get Accounts
• Your password is your pin number with TD Bank

It should setup your Account info for you.

• Click Ok, Ok. Forward. Associate your GnuCash accounts with the accounts you just setup and follow the wizard out.
• Then Open your GnuCash Checking account for instance.
• Click menu Actions > Online Actions > Get Transactions

That should import your transactions and you're all set!

UCCU (Utah Community Credit Union)

UCCU supports account download, at least through quicken. I was not, however able to get it to work in GnuCash. You can still set it up however. (this worked with GnuCash 2.4.10)

Set up the user as described here. http://wiki.gnucash.org/wiki/Setting_up_OFXDirectConnect_in_GnuCash_2#AqBanking When you are finished, the pertinent user info is as follows:

Under the User tab you at least need your account number. Which at present should be 7 digits (as of 4/3/2012). The account number on a check actually contains 12 numbers, you only need the last 7. This goes in the field that says "User Id." I believe that is all that is required on the User tab.

On the Bank Settings Tab, you can push select and type in "Utah" and it should find Utah Community Credit Union, and then you can select it and push ok and it will enter the pertinent information which should be as follows: (note, no Broker Id is required)

Bank Name: Utah Community Credit Union

Broker Id:

FID: 324377820

ORG: Utah Community Credit Union

On the application settings tab, you should be able to select Windows Quicken 2011 and no special settings are needed.

After you verify that your settings match those above you are ready to create an account. Go to the accounts tab. The pertinant information is as follows.

Account Number: 1234567=9 or 1234567=0

               This is the same 7 digit number used previously, only you add =9 for checking accounts and =0 for savings (make sure to replace 1234567 as seen in the
               example with your account number)

Bank Code: 324377820

          (notice, this is the same as the FID, at least for UCCU, and is also the same as the banks routing number)

Bank Name: Utah Community Credit Union

          (I think this is optional, but this is what I typed in to mine, and mine is working)

Selected User:

             Select the user that you created previously for UCCU.

I think these are optional, but I have my Currency set to USD, and my Country set to US.

That is all you need for the account. Click ok for the account setup, and click close for the AqBanking setup, and then click Forward and assign your new account to an existing account in GnuCash. Click Forward again, then click Apply.

Open the account you just set up for online banking and do a test. Go to the actions menu, and then go to Online Actions, and select Get Transactions or Get Balance. For me at this point GnuCash said "No user assigned to this account please check your configuration." I think this is either a problem with GnuCash 2.4.10 (I'm running Windows 7 64 bit) or with AqBanking wizard or something, because we assigned a user in a previous step. See http://wiki.gnucash.org/wiki/Setting_up_OFXDirectConnect_in_GnuCash_2#.22No_user_assigned_to_this_account._Please_check_your_configuration.22_Error to fix this problem.

If you do not get this error, then it will ask for a password. This is the same password you use to log on to the UCCU website to do online banking.

update as of Dec 2014 (using version 2.4.10)

I want to point out that UCCU wanted my acct # as the login username rather than the normal username I usually use to get in from uccu.com.

U.S. Bank

Fee $3.95/month for home user, $9.95-12.95/month for business (See Bank With Quicken).

USAA

In the AqBanking Wizard create your User with these settings:

• User Name, User Id, and Customer Id are all your USAA number with two leading zeros ie: 001234567

(note by other users: the leading double 00's caused my connection to fail. Removing them corrected the problem. One issue is the dialog showing the account update progress disappeared automatically, so seeing why it failed was difficult. It really depends on how old your USAA number is, but the number needs to be 9 digits long; for example, if you have an eight digit number you only need one zero in front of your USAA number and no zeros if you have a more recently issued 9 digit USAA number.)

• Bank Id = 314074269
• FID is 24591, Org is USAA, Broker Id is 5874, server URL is https://service2.usaa.com/ofx/OFXServlet like in the above chart

This is the key piece:

• Under Server Capabilities Check the following:

Supports Account List Download

Supports Statement Download

• Under Server Options Check:

Force SSLv3

• Then you press Get Accounts
• Your password is your pin number with USAA

It should setup your Account info for you.

• Click Ok, Ok. Forward. Associate your GnuCash accounts with the accounts you just setup and follow the wizard out.

(Mine crashed if I associated more than one account at a time - don't know if that was just me though.)

• Then Open your GnuCash Checking account for instance.
• Click menu Actions > Online Actions > Get Transactions

That should import your transactions and you're all set!

• Note (03/08/2015): Quicken provides access to a log of the OFX Send/Recv SGML text, which is the same text you can find for AqBanking when you create the AQOFX_LOG_COMM system variable in Windows. The 7 digit USAA member number was *NOT* padded with zeros by Quicken. Also, CLIENTUID is not provided by Quicken. The Application Version number of the latest version of Quicken (2015) is 2400. I've never created a Wiki entry before so please feel free to improve the entry.

Vanguard

Set HTTP Version to 1.1 (1.0 will not work)

Wells Fargo

You must enable (and pay for) OFX access to your account. Instructions here. If you have a PMA relationship contact your Wells banker, they may waive the OFX access fees.

OFX DirectConnect information download

Extensive (and probably near-complete) OFX DirectConnect information can also be auto-downloaded to your computer from a major accounting software provider's web archives by using the script found at http://www.jongsma.org/gc/. This script uses the programs curl, xmllint and tidy (on Debian/Ubuntu aptitude install curl tidy). If you don't have these programs installed, the error messages are cryptic, so if it is not working first verify you have curl and tidy installed.

Use the commands:

   wget http://www.jongsma.org/gc/bankinfo/getfidata.sh.gz

then

   gzip -d getfidata.sh.gz

• open up getfidata.sh in your favorite editor

• find and replace "2006" with "2008" to retrieve more updated xml files

• replace VER=6 with VER=9
• make sure you have "tidy" installed ("sudo aptitude install tidy" or "sudo yum install tidy")

then

   bash getfidata.sh -d

This will download, according to the above webpages, "thousands of XML files," however finding this information on the web is difficult at best.

Once the files are downloaded, you will have a "fidata" zip file. Unpack it, and inside you will find three xml files (if you have all three dependant programs, as listed on the jongsma.org webpage), bank.xml, brokerage.xml and creditcard.xml. Open the one you want to search an institution for (such as in Firefox), search for your bank's name. Within that xml listing, you will find it's "<guid>," which corresponds to the xml file number under the "fi" directory you will see alongside these three main xml files.

Open the number listed as the "<guid>" for your bank: "<guid>6756</guid>" corresponds to 6756.xml in the fi folder.

This file will contain the information needed to get GNUCash's OFX DirectConnect working with your bank's OFX DirectConnect feature.