OFX Direct Connect Bank Settings

Here are some settings for banks and credit cards. Follow this link for instructions on Setting up OFXDirectConnect.

Contents

• 1 General instructions
• 2 Table of bank specific parameters
• 3 Notes on banks
  • 3.1 BofA, CA
  • 3.2 BofA, NY
  • 3.3 American Express
  • 3.4 Bank of the West
  • 3.5 Capital One - credit card
  • 3.6 Charles Schwab Bank
  • 3.7 Chase (Bank Accounts and Credit Cards)
  • 3.8 Citi Credit Card
  • 3.9 Discover
  • 3.10 E*Trade
  • 3.11 HSBC
  • 3.12 TD Bank
  • 3.13 UCCU (Utah Community Credit Union)
  • 3.14 U.S. Bank
  • 3.15 USAA
  • 3.16 Vanguard

  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.
  • Userid and Username are usually the same.
  • ClientUID is required by some banks. It was introduced by Intuit as a sort of multi-factor authentication Intuit MFA Reference Guide. Intuit products generate it on demand, but AQBanking doesn't; users must generate themselves. A simple way is to generate a UUID with any UUID generator (here's one) and paste it into the ClientUID field in AQBanking setup.
  • 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.
    • In case of problems
      1. Google site://lists.gnucash.org/pipermail/gnucash-user (the english user list) for your bank and account type
      2. Subscribe the list and ask there.
    • When you do find the right settings, please add them to this page!

    Table of bank specific parameters

    "ORG" must be AMEX (case sensitive). See http://ubuntuforums.org/archive/index.php/t-1103540.html for a working example. Setting APPID="QWIN" and APPVER="1700" seems to be the key step.

    The information listed here was verified to work for all Bank of America clients. You can call 1-800-933-6262 and ask the CSR to "enable transaction downloading for Quicken (or QuickBooks)". Or self enroll in Quicken via the "Enrolling in Online Banking through Quicken Direct Connect" section at https://www.bankofamerica.com/onlinebanking/online-financial-management-faqs.go. 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.

    Additional settings: Open the AqBanking wizard, and edit or create a new user on the Users tab. Select the OFX tab and make sure the "Expert Settings" section includes:
    APPID: QWIN
    APPVER: 2300
    Without these, GnuCash could not connect. After setting these values, success. Last checked 2009-10-22. HTH, Eiríkr 06:10, 23 October 2009 (UTC)

    
    Some additional settings: In some cases the normal UID and Bank ID settings may not work. Also, the Checking Routing number (printed on checks) may not work as the Bank ID setting.
    It may be possible to get the correct values by manually downloading an OFX file from you BofA account, save it as a file, then view it using a text editor. Try using the UID and BANK ID settings located in the header, sometimes these have been shown to work. As indicated above - APPID and APPVER were also required.
    

    
    Update: QWIN may not work as the APPID, and QBW should be used.

    Bank	Server URL	FID	ORG	FIPID	bankCode (BANKID)
    American Express (credit card)	https://www99.americanexpress.com/myca/ofxdl/us/download?request_type=nl_desktopdownload	3101	AMEX
    Bank of America	https://eftx.bankofamerica.com/eftxweb/access.ofx	5959	HAN	Whatever your routing number is.
    Bank of North Carolina	https://ofx.netteller.com	59013	JackHenry	053112039
    Bank of the West	https://ofx.bankofthewest.com/process.ofx	15130	BOW	121100782
    BECU (bank)	https://onlinebanking.becu.org/scripts/serverext.dll	1001	becu	325081403
    CapitalOne (Banking)	https://ofx.capitalone.com/ofx/103/process.ofx **OFX Version=103;APPID=MDNC;APPVER=2012. Must have CLIENTUID set.	1001	Capital One	Whatever your routing number is
    Charles Schwab Bank (bank) see note below	https://ofx.schwab.com/bankcgi_dev/ofx_server	101	ISC	7263	121202211

    Attention, cela ne fonctionne manifestement plus depuis 2011.

    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

    • 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
    • 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="" char userId="" char customerId="" 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="" int user="335" char bankName="051000017" int accountType="2" char accountName="Credit card " char provider="aqofxconnect" provider  > # provider > # account > # accounts 

    American Express

    "ORG" must be AMEX (case sensitive).

    Bank of the West

    • A call was made to enable Quicken download. I was told there would be a fee, but later I was told there wasn't and I have not been charged one. It's not completely clear that the call was required.
    • The clientUid used was one generated by Quicken and extracted from Quicken's ofx log. I was unable to generate my own (on a separate account) and use it.
    • The aqbanking account listing did work, and download was working for personal and business checking accounts and business credit card.
    • In the end, I decided to stick with monthly statement and corresponding .qfx file download.
    • Here is the data section of a ~/.aqbanking/settings6/users/00000005.conf that allowed successful download:

    data  backend  char bankName="Bank of the West" char org="BOW" char fid="15130" char serverAddr="https%3A%2F%2Fofx.bankofthewest.com%2Fprocess.ofx" char appId="QWIN" char appVer="2700" char headerVer="103" char clientUid="d0fb1b25eda6aa88b3ceb33b48649760" int httpVMajor="0" int httpVMinor="0" > #backend > #data 

    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

    Brokerage account works. GnuCash 3.6. AqBanking v5.7.8.0stable. Use the following user configuration (create a file in ~/.aqbanking/settings/users/)

    int uniqueId="some unique integer, let's say 6699" char backendName="aqofxconnect" char userName="your schwab username" char userId="your schwab username" char customerId="your schwab username" char country="us" char bankCode="0000000000" int lastSessionId="0" data  backend  char bankName="Charles Schwab%26Co., INC" char brokerId="SCHWAB.COM" char org="ISC" char fid="5104" char serverAddr="https%3A%2F%2Fofx.schwab.com%2Fcgi_dev%2Fofx_server" char appId="QWIN" char appVer="2700" char headerVer="220" int httpVMajor="0" int httpVMinor="0" > #backend > #data 

    and similarly, an account file in ~/.aqbanking/settings/accounts with contents

    char provider="aqofxconnect" int uniqueId="some other unique integer" int accountType="5" char accountNumber="your Schwab investment account number" char bankCode="121202211" char accountName="Schwab Investment" char bankName="SCHWAB.COM" char ownerName="" char currency="USD" char country="US" int user="that unique integer 6699" int selectedUser="6699" apps  > #apps provider  > #provider data  backend  int maxPurposeLines="1" int debitAllowed="0" > #backend > #data 

    Checking account works. GnuCash 3.6. AqBanking v5.7.8.0stable. Create user file in ~/.aqbanking/settings/users/ with contents:

    int uniqueId="some other unique integer, let's say 6700" char backendName="aqofxconnect" char userName="your schwab username" char userId="your schwab username" char customerId="your schwab username" char country="us" char bankCode="0000000000" int lastSessionId="0" data  backend  char bankName="Charles Schwab Bank, N.A." char org="ISC" char fid="101" char serverAddr="https%3A%2F%2Fofx.schwab.com%2Fbankcgi_dev%2Fofx_server" char appId="QWIN" char appVer="2200" char headerVer="102" int httpVMajor="1" int httpVMinor="1" > #backend > #data 

    and the following account file

    char provider="aqofxconnect" int uniqueId="yet another unique integer" int accountType="3" char accountNumber="your checking account number, padded with 5 zeros" char bankCode="121202211" char accountName="Schwab Checking" char bankName="121202211" char ownerName="" char currency="USD" char country="US" int user="6700, which matches the user account unique integer" int selectedUser="6700" apps  > #apps provider  > #provider data  backend  int maxPurposeLines="1" int debitAllowed="0" > #backend > #data 

    Works on August 20, 2019.

    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 [5] Indigo 04:38, 8 January 2011 (UTC)

    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: [6]) 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 (Bank Accounts and Credit Cards)

    OFX access is free for a personal "Total Checking" account. May not be free for business/other types of accounts.

    OFX access needs to be setup and enabled with the following steps: Updated Instructions as of 9/6/2020 for GNUcash Success.

    Setup Use the following parameters for bank profile, user name and user id, client id setup. Also user Header Version.

    BANK PROFILE TO SELECT: Chase Credit Card (636) USER NAME: (ABA Routing #) USER ID: (Your normal web login username) CLIENT ID: (Randomly Generated) APPLICATION ID: QWIN APPLICATION VERSION: 2200 HEADER VERSION: 103 

    Note on CLIENT ID Can be done here. Send Out The First Retrieve Account List Click Retrieve Account List to trigger the request for OFX Third Party Access. When Password is Prompted Enter your normal web login Password. Now The Tricky Part Once sending out the first request, and it fails, check your email for a message from Chase. Should receive an email automatically in a few minutes. The Message will ask you go onine to secure messages section, and verify your identity for Quicken Access. Once you have completed the above steps and some time has passed for Chase to activate OFX access for you, you should be able to retrieve a list of accounts and transactions both for Chase credit cards and bank accounts. Retrieve Accoount List After verifying your ID at Chase website above, go and Retrive Your Account List once again in GNUcash. It will work this time. Success looks like like the string of messages below.

    01:33:09 Sending request. 01:33:09 Using GnuTLS default ciphers. 01:33:09 TLS: SSL-Ciphers negotiated: TLS1.2:ECDHE-RSA-AES-128-GCM:AEAD. 01:33:09 Waiting for response. 01:33:09 Parsing response. 01:33:09 Status for signon request: Success (Code 0, severity "INFO"). The server successfully processed the request. 01:33:09 Status for account info request: Success (Code 0, severity "INFO"). The server successfully processed the request. 01:33:09 Received account (no bank code)/################ ((no bank name)/CREDIT CARD). 01:33:09 Received account 071000013/######### ((no bank name)/TOTAL CHECKING). 01:33:10 Operation finished, you can now close this window. 

    ALTERNATIVE APPROACH - OFXGET. Previous recommendations suggest that it will work more reliably with ofxget, but not from GnuCash.

    A complete working configuration for ofxget is

    [chase] clientuid = bankid = user = checking = appver = 2700 version = 220 

    Transactions can be obtained with

    ofxget stmt chase

    provided the above configuration is saved in ~/.config/ofxtools/ofxget.cfg

    Citi Credit Card

    Works as of June 2020 with the following modifications to defaults.

    • The new server is https://mobilesoa.citi.com/CitiOFXInterface. aqbanking's default is out-of-date.
    • A space at the end of the username field may be necessary.
    • For initial access, you must visit the Citi website and enable Online Banking. This is under Citi.com -> Profile -> Manage Desktop Apps.

    As with all accounts, you may need a UID for it to work correctly. You can generate this by issuing "uuidgen" from a terminal.

    A working configuration in the Online Banking setup section:

    Bank Name: Citi Credit Card FID: 24909 ORG: Citigroup URL: https://mobilesoa.citi.com/CitiOFXInterface Username: User id: UID: Application ID: QWIN Application version: 2500 Header version: 103 

    Previous note - doesn't appear true as of June 2020, but left in for posterity:

    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).

    Discover

    Works as of November 12, 2019.

    • Some users have reported that the Discover OFX server is sensitive to the order of headers in the HTTP Request.
    • Requests with less than 5 seconds between them result in a "temporarily unavailable" response.
    • An alternate working set of parameters is: FID = 9625, ORG = Discover Card Account Center, URL = https://ofx.discovercard.com:443

    The following order of headers works:

    h = HTTPSConnection("ofx.discovercard.com:443", timeout = 30) h.putrequest('POST', None, skip_host=True, skip_accept_encoding=True) h.putheader('Content-Type', 'application/x-ofx') h.putheader('Host', 'ofx.discovercard.com:443') h.putheader('Content-Length', len(ofx_query)) h.putheader('Connection', 'Keep-Alive') h.endheaders(ofx_query.encode()) res = h.getresponse() 

    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 HSBC

    Their FITID's are not unique for overlapping time ranges. FixFitid.pl by IRC user Tom can fix them. [7]

    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 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:
    • 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
    • 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

    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)
    • 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.

    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 January 2021 USAA changed their authentication for OFX DirectConnect. In order to use it you need GnuCash 4.4 built after 14 February. and AQBanking 6.2.6. New bundles on flathub (4.4-4) and for macOS (4.4-2) are available; Microsoft Windows users can use nightly builds from 14 February 2021 and later.

    First visit http://usaa.com/accessid or https://df3cx-services.1fsapi.com/casm/usaa/enroll. You'll be redirected to https://www.usaa.com/inet/ent_logon/Logon?logoffjump=true&akfixed=true where you can log in to your USAA account using your regular website credentials and two-factor authentication. Once you've logged in you'll get a page saying that Quicken wants access to your Account Owner Information and Bank Account Numbers and Details with buttons to Deny or Allow. Click Allow. You'll redirect to another page with an AccessID and AccessPIN.

    Copy the URL of this page from the browser address bar and paste it somewhere convenient. Make a note of the AccessID and AccessPIN.

    Open Tools>Online Banking>Online Banking Setup, click Nex on the assistant, and click Open AQBanking Setup Wizard. Create a new user or edit your existing USAA user. If you're creating a user give it a name (I use "USAA") in User Name, enter your AccessID into User ID.

    Now look at the URL you copied and pasted from the USAA webpage with the AccessID. It will be something like

    The long letter-and-number combination after code=is your client id (the example is fake), but it needs to be converted to all uppercase. If you have a text editor or word processor that can do that that's the easist way. Once converted, copy it and paste it into the Client UID space.

    Note: There are varying reports on whether this UUID will work for the ClientUID. If it doesn't for you (attempting to retrieve transactions will fail with the message "The user cannot signon because he or she entered an invalid user ID or password." in the progress dialog) this email includes one extracted from a Quicken session and has worked for several users. We aren't copying the actual UUID here to make it less likely that Quicken's publisher will realize that it's been revealed.

    Select the Bank Settings tab on the dialog box and fill out the boxes as follows (ignore the Bank Name box at the top)

    FID 67811 ORG USAA Federal Savings Bank Server URL https://df3cx-services.1fsapi.com/casm/usaa/access.ofx HTTP User Agent InetClntApp/3.0

    Select the Application Settings tab and fill in:

    Application ID QMOFX Application Version 2300 Header Version 103

    Now back to Bank Settings: Click the Retrieve Account List button. You'll be prompted for your PIN. Enter the AccessPIN. A window should pop up with a session log finishing with a Received line for each account you have with USAA bank.

    Click OK to dismiss the user dialog.

    Select the Accounts tab on the AQBanking Setup dialog. Your accounts should be listed. Edit each one in turn and make sure that each is set to the correct user and has the right bank code (it's 314074269). When you're happy with all of the accounts close the AQBanking Setup dialog and click Next on the wizard. Assign each account to its GnuCash equivalent. Click next, then Apply. You're done with setup.

    Vanguard

    Set HTTP Version to 1.1 (1.0 will not work)

    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:

    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")

    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 "," 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 "" for your bank: "6756" 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.