PC Financial MasterCard unable to connect

This week PC Financial updated their website.  At the time, I was also asked to update my password to include a special character.  Since this event I have been unable to sync my data with YNAB, with the statement "We're having trouble connecting to this financial institution."  I have tried the troubleshooting steps, and have tried using both my new and old password.   Are other PCF users having this problem? 

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  • Yep. I'm in the same boat. 

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  • Hi Salmon Drill and Turquoise Zebra !

    Sorry for the trouble!

    Our Direct Import partner let us know that PC Financial's recent update, caused some issues with the direct import connection. They're currently working on rebuilding that integration, but it may take some time.

    You can keep an eye on our status page for updates !:)

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  • Same problem here. Super frustrating. I messaged them and they said they don't support Quicken, Microsoft Money, etc for those file types. Only CSV files. I messaged back regarding direct import, we'll see.

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  • Same boat here--they told me they are happy to provided CSV download, and a canned response on them letting if me know "if" they ever bring back qif/ofx/qfx type downloads.  At least they told me my feedback is valuable to them.

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  • Same... I use this card for pretty much everything so YNAB is useless to me at the moment -and has been for quite some time now because of this issue. The thought of going back in and manually entering all transactions since Nov 9th does NOT appeal to me.

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  • Hi Cowboy Ry  peraautrt  and Jennifer Leigh  !

    Hopefully, our Direct Import partner will be able to get the necessary file types to restore that connection. In the meantime, File Based Importing does support CSV files. 

    Importing CSV files is our last resort option, because there isn't an industry standard format, and they need to be formatted just right, but once formatted correctly the process is quick and easy!

    Give File Based Importing a try to keep your accounts up to date for the time being. If you receive an error that there aren't any transactions to import, the file might not be formatted correctly and you can try this (unofficial) CSV converter

    Try dragging and dropping a CSV file into YNAB and let me know if you have questions! :)

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  • Same issue with the same response from PC Financial.  Although I a YNAB 4 user still and always downloaded QIF files to import.  They don't offer this file format as an option anymore.  I downloaded their CSV file, formatted it for YNAB import and it did not import correctly.  The dates were all off significantly.  Apparently it was a time machine back to 1983.  Not sure why this happened.  Everything else imported correctly.  Any ideas?

    Reply Like 1
      • MXMOM
      • MXMOM
      • 1 mth ago
      • 1
      • Reported - view

      MTRing try opening the file in excel and look at the date formats. i had a problem with the date formats a while back and was able to fix them in excel, resave as the csv file and then import. 

      Reply Like 1
      • MXMOM
      • MXMOM
      • 1 mth ago
      • 1
      • Reported - view

      MTRing PS Love your time machine comment

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  • Any ETA on a fix? Because the current CSV importing solution is not ideal.

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      • peraautrt
      • peraautrt
      • 1 mth ago
      • 1
      • Reported - view

      thebeardedjourneyman My guess the hold up is on PCs end, and not YNABs.  I know it's a huge pain trying to match up.  

      Reply Like 1
    • Hi thebeardedjourneyman !

      Peraautrt is right. We don't mean to point fingers, but our Direct Import partner is trying to adjust to the changes PC Financial made. The initial issue was that PC Financial removed the necessary file formats for direct import. Our Direct Import partner is working with them to try to regain access to those formats or find a work around. We can't offer a time line for this issue because it depends on a number of factors, but we'll keep the status page updated with what we find out! :)

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  • Can’t wait for it to be working again! I can’t balance ..!

    Reply Like 1
      • thebeardedjourneyman
      • With great beard come great responsibility
      • thebeardedjourneyman
      • 1 mth ago
      • Reported - view

      Jennifer Leigh Def makes the process WAY more cumbersome.  The import file feature is a mess in its current form (at least for me).

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    • Hi Jennifer Leigh ! Us too. They're actively working on it!

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    • Hi thebeardedjourneyman !

      Sorry you're having trouble with File Based Importing. From other users in the thread, it sounds like PC Financial only offers .CSV files. They're our last resort, because formatting can vary by institution and there isn't an industry standard, so they need to be just right.

      Here's a 3-line example of how a CSV file needs to be formatted. The first line is the header, the second line is an example outflow, and the last line is an example inflow.

      Date,Payee,Memo,Outflow,Inflow

      07/23/16,Payee 1,Memo,100.00,

      07/24/16,Payee 2,Memo,,500.00

       

      You'll notice every field is separated by a comma, so it's important that every field is present in each line, even if your transactions don't fill every field. Always include the "Date,Payee,Memo,Outflow,Inflow" header line at the very top. Any field can be left blank except the date.

      In a spreadsheet program, it would look like this (just make sure the file extension is saved as .csv!):

      A fellow YNABer created this (unofficial) CSV converter which may help convert your CSV file from your bank into the format above. You're welcome to give it a try! We aren't able to support it if it doesn't work for your bank's particular format, though. Let me know how it goes!

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  • I just tried creating a new connection and PC Financial isn't listed as an intuition anymore. Anyone else try? Maybe I'm missing something... 

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      • peraautrt
      • peraautrt
      • 3 wk ago
      • Reported - view

      Magenta Keyboard I just tried it again--it's named as  "President's Choice Financial Mastercard" 

      As far as I know the connection still isn't working though.

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      • thebeardedjourneyman
      • With great beard come great responsibility
      • thebeardedjourneyman
      • 3 wk ago
      • Reported - view

      peraautrt I've just tried both formats of the institution name and neither works for me.  Any word from YNAB's direct import partner on an ETA on this issue getting fixed?  Manual import, even with the solution outlined above, is not ideal at all and making using YNAB cumbersome.

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    • Hi thebeardedjourneyman and Magenta Keyboard !

      Sorry for the trouble! One of our Direct Import partners let us know that this issue with President's Financial will take longer than usual to repair - because of this, they've decided to remove the institution from their supported list for the time being. They hope to re-add the institution once they've rebuilt the connection, but they aren't able to offer a time frame on just how long that may take. Our other Direct Import partner is having trouble as well, but they've left the institution listed as available as they continue to work on a solution.

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    • Faness Thanks for this reply...I thought I was going crazy haha.

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    • Magenta Keyboard You're not going crazy, but direct import has its moments. ;)

      Reply Like 1
  • Any fixes? This is over a month on unusable budgeting software. I would like some sort of discount on this up coming years renewal if this is not resolved soon.

    Reply Like 1
    • Forest Green Cartridge Our Direct Import partner let us know this will be a long term issue with PC Financial. I've sent you an email with possible next steps.

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    • Faness please also send me some information on next steps. This is my primary spending card and for it not to work is very frustrating. Thanks

      Reply Like 1
    • Hi Beige Wildebeest !

      I took a look at things and sent you a quick email! :)

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  • So PC Financial changed the website and it no longer supports QFX file format.  The CSV file they provide is not in the correct format for file based import to YNAB.  I only use file based importing anyway so I wrote an Excel spreadsheet with a macro to change the format so it can be imported correctly.  It involves opening the spreadsheet, pressing a convert button and it will reformat the file and write a new file to the same directory as spreadsheet.  I've tested it at home on my MacBook and did some work to port it to a windows PC.  They seem to be working correctly, but I'm not a real coder so I make no guarantees.  Would anyone be interested?  I'm not sure if I can upload it here but feel free to PM me.

    Reply Like 1
      • peraautrt
      • peraautrt
      • 2 wk ago
      • Reported - view

      MTRing That's awesome!  I don't use Excel, but I'm sure there are quite a few folks that would take you up on the offer.  I just wish PC would fix their improvement mess update.  

      That being said, I'd love a copy of the sheet with macro--see if I can't get it working in Google Sheets too!

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      • MTRing
      • MTRing
      • 2 wk ago
      • Reported - view

      peraautrt sent you a pm as it won't let me upload the file....

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    • MTRing The fact that PC no longer supports QFX files is a big part of the direct import issue. Our Direct Import partner uses QFX files for their side of things, so they're trying to build a work around/exception for PC Financial. I think it's wonderful you were able to code a work around! 

      There's also this CSV converter, but something tells me that one built specifically for PC Financial would be the better option here. :)

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      • MTRing
      • MTRing
      • 13 days ago
      • Reported - view

      Faness It works well at home, although I'd still like them to return the  QFX format for download.  I tried to upload the Excel file here for everyone to look at but couldn't.  I suspect it's because of the macro code.  Do you have any suggestions on how to share this with everyone?

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    • MTRing We recently had a similar issue with posting files in the forum. We had to post the file in storage (such as Dropbox or CloudApp), and then post a link there.

      I'm not sure why PC Financial decided to stop supporting QFX, but I hope they bring it back as well!

      Reply Like
      • thebeardedjourneyman
      • With great beard come great responsibility
      • thebeardedjourneyman
      • 12 days ago
      • Reported - view

      MTRing Hey!  Would it be possible for me to get a copy of that Excel file as well?  Would love to have something on my computer rather than relying on the CSV Converter.  Thanks!

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      • Cowboy Ry
      • cowboy_y
      • 12 days ago
      • Reported - view

      thebeardedjourneyman  Ditto, I'd like to get a copy as well

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    • MTRing Cab I get a copy of it as well? I could suggest adding it to a google drive and sharing it as well. Thanks

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      • peraautrt
      • peraautrt
      • 11 days ago
      • Reported - view

      Beige Wildebeest Are you at all familiar with converting Excel macros to Google Sheets macros?  I've been looking at it, however Google Sheets uses a lot of scripting.

      I could try and make one for Google Sheets and post a shareable link--wish me luck!

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      • MTRing
      • MTRing
      • 11 days ago
      • Reported - view

      peraautrt Here's a link to a dropbox public file that I hope works.  Please let me know.

      https://www.dropbox.com/s/yo0xzrxmfhi9q5k/YNAB%20Conversion%20Sheet%20v8%20%281%29.xlsm?dl=0

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      • MTRing
      • MTRing
      • 11 days ago
      • Reported - view

      Cowboy Ry Here's link that might work.  Let me know if you get a file that works.  Sometimes these things strip out the macros.

      https://drive.google.com/open?id=0B-XT4i9rBFu1N1NhVDVUZmRWekN1bGRSTlZDaXNvVlZXY0ZR

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    • peraautrt Sorry, no I don't. Please post if you are able to get one working though. I was thinking that MTRing could simply upload the file to a storage cloud. Unfortunately neither of the workbooks on dropbox or google drive had the macro working when I downloaded it. Maybe MTRing you can zip the file and then upload it?

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      • MTRing
      • MTRing
      • 13 hrs ago
      • Reported - view

      Beige Wildebeest Here's a new link to a dropbox file that hopefully doesn't have the macro stripped out. Let me know if it works for you.

       

      https://www.dropbox.com/s/etsmo0t6xfpfrg7/YNAB%20Conversion%20Sheet%20v8.xlsm?dl=0

      Reply Like
  • I have had a lot of success using the CSV Converter mentioned above.  Took a little tweaking but I have gotten it to work well and consistently.  Not as convenient as the direct import but better than manual.

    Reply Like 2
  • While we're waiting for this mess to get figured out, I'm curious if anyone else is having trouble reconciling? Seems like sometimes the account balance on the PC Financial dashboard does not match YNAB no matter how much I dig for missing transactions. Today I imported back to September to try and find the missing $. No luck. Are there pending transactions that somehow register on the account balance but not in the transaction listing???

    Reply Like
    • Hi Cowboy Ry !

      Does PC Financial indicate which transactions are still pending? I have a Chase account and it includes pending transactions in my Available balance, but if I click on transaction details it lets me know which transactions have cleared and which ones are still pending.

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      • peraautrt
      • peraautrt
      • 11 days ago
      • Reported - view

      Cowboy Ry absolutely!  It's so frustrating.

      From what I can figure, the balance page is updated with all cleared transactions...

      Whereas the transaction list takes about 12 hours for the cleared transactions to actually show up in the list.  It's left me scratching my head trying to reconcile, and a major source of frustration.

      I think it's a timing issue with PC... though I can't make sense how it makes sense to any of their programmers.

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    • Cowboy Ry Yes, I have this problem too. Seems like there’s a lag when some transactions go from pending to cleared they don’t get picked up when you export. 

      Reply Like 1
      • Cowboy Ry
      • cowboy_y
      • 11 days ago
      • Reported - view

      Faness yes it does show what is pending, but there seems to be a grey area in the middle that prevents reconciling properly. 

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    • Cowboy Ry If the same pending transactions in your online banking are also marked as uncleared in YNAB, you should be able to reconcile correctly! 

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      • Cowboy Ry
      • cowboy_y
      • 10 days ago
      • Reported - view

      Jannelle yeah that’s how it should work “in theory” however it seems like when a transaction moves from pending to cleared on PC, it takes a little side trip through the interwebs before showing up, despite the account balance reflecting its existence.

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    • Cowboy Ry Ohh, gosh that's so strange! I'm so sorry it's giving you such trouble! 

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  • This is so frustrating- I had FINALLY gotten back on track with YNAB after something like 5 months when none of my TD accounts would sync. 😟

    Reply Like
    • Hi Ivory Wildebeest !

      Sorry for the trouble! I know there has been troubled waters with TD Bank and now PC Financial. Our Direct Import partner is working on a fix, but they've let us know it could take some time before it's resolved. We're keeping our fingers crossed, though!

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