Account to Account Transfers (A2A): Share your feedback here!

Coach Natalie

A2A has been released to 50% of Early Access! Please continue to share your feedback here for our product team.

Thank you!

-Coach Natalie

DannyB

Update: The A2A transfer I initiated on 11.13 was completed this morning (11.15), a 2 day turn around. Looks like the long delay reported by earliest users has been corrected… at least with this transfer.

Timeline:

• 11.13 initiated A2A transfer in QS
• 11.14 amount of transfer removed from account 1
• 11.15 amount of transfer deposited/cleared in account 2

The company that provides this service was able to use the funds for 24 hours after it left my account 1 and was deposited into my account 2.

RobWilk

I notice it offers me a "no thanks" option on the banner, would that dismiss it as was recently requested?

It just showed up for me today, I'm not sure if I'll have a use for it or not — I can instantly transfer between my Chase accounts through their website, a 2-day delay might be inconvenient.

RobWilk

My direct deposits hit my Chase accounts this morning. They didn't SYNC yet, though, because I synced outside of banking hours. Because of how Chase works, it probably won't sync until Monday at the earliest.

Regarding PenFed, I'm worried I entered the wrong routing or account numbers. I googled the routing number and got the account number off the PDF statement (but the statement had "-" marks in it, which I couldn't enter). Later this morning, I found on the bank's web page that I could see the "real" routing and account numbers (without dashes), but I cannot verify that these numbers are the same as what I entered.

(EDIT Notes: This was re-formatted with Grammarly compared to original writing)

dsfreddy

Didn't see this feature listed in any feature request threads. Is there more detail on the what and how of this new feature? I would need to know how this is implemented, where the money is at all times, and who is benefitting from any float. Sounds like an expensive addition to the Simplifi product. It is likely driving the recent 50% increase in the subscription price. Maybe it would be better to require a separate premium subscription for such a costly and (likely to be) little-used service.

RobWilk

If you're on early access, when prompted to enable this service, you agree to specific terms and conditions. Those terms and conditions include the name of the organization providing the service (it wasn't a name I was familiar with).

RobWilk

Whether or not this will be "little used" depends on what they do with it.

(1) Balance issues need to be resolved so that they are reliable. That might have improved already, but that's not certain.

(2) A2A "Transfers" should also eventually (in my book) work for paying credit cards.

If both those conditions are met, this app might become a one-stop-shop for managing everything financially, so I won't need to visit the bank website often.

dsfreddy

Costly, opaque, risky. I wish I wasn't one of the users paying for it.

RobWilk

To round my savings account up to the next $100, factoring in interest earned last period, I scheduled a transfer of $99.77 from checking using A2A Transfers.

The one thing I noticed, it put in on upcoming bills and reminders bar:

However, it did not plot that reminder on the Cash flow forecast, even after refreshing the page. Note that at the today line there is no dot indicating a scheduled activity:

It was the same issue on the savings side.

-Rob

EDIT: I did something similar with a savings account at a different bank, and it was the same issue with cash flow chart as above.

Coach Natalie

@RobWilk, thanks for calling this out! I made sure our product team saw the issue with Projected Cash Flow.

-Coach Natalie

DannyB

@RobWilk @Coach Natalie

A question referring to plotting A2A transfers, if the transfer is marked to be ignored in the Spending Plan and Reports, will it be plotted? I don't pay a lot of attention to these projection plots, so I have never noticed if any of my ignored transfers get plotted on the day they occur.

RobWilk

@DannyB Because they affect account balances, they generally would be plotted — it's only the spending plan and reports where you might not see them.

SRC54

Well, this didn't go well. Capital One Checking was easy. FUSB set up failed. I was told to contact support and try again. I tried again and it failed again although the information is correct. The lady at support didn't know about transfers it seems. So what do I do now? I have one account set up but cannot transfer money with one account. 🤔

When I try to do FUSB again and add my routing number and account number, it tells me it is almost done, so I hit continue and it tells me we're sorry but we cannot deliver deposits to this account.

And I don't have the "No Thanks" option yet.

DannyB

https://community.simplifimoney.com/discussion/comment/43722#Comment_43722

Perhaps FUSB isn't supported by the A2A service provider. I set up two accounts at the same bank. CapOne, just to see how this worked. As I've already said, I don’t see any real value in using g this feature. It is more convenient for me to set up transfers between accounts even between banks through my banks websites.

SRC54

@DannyB Agreed. I didn't want this feature either. Tried it out to see. It seems weird to me that FUsb doesn't support it, but wouldn't be surprised. But if that's the case, Simplifi ought to say that. I want to say no thanks and turn this thing off. But so far Simplifi stubbornly takes up a lot of real estate demanding I set this up.

Irritating.

Coach Natalie

@SRC54, what error or message did you receive when your First US Bank setup failed?

-Coach Natalie

SRC54

It's always the same one. I got it in an email too.

I have entered the Routing Number and Account number several times. They are correct. I've done ACH often with this account. I contacted Support in the Help Center but they seemed confused (said I needed two accounts, thought I was adding a biller, etc.) so decided to bring the issue here. Thanks.

I would be willing to try it again, but so far it won't let me; just gives me the above.

Here is what is shown at the top of the registry for FUSB:

Clicking View gives me the notice at the top.

Coach Natalie

@SRC54, here's what I was told for the error you received:

• Have the user try again and make sure it is the correct routing and account number. You can double-confirm by contacting your bank.
• Try disabling the account and starting over. There should be a three-dot menu with an option to  "disable account for transfers". I'm not sure if this is under Settings > Accounts or Settings > Transfer Activity, but I'm guessing it's definitely in one of those locations.

Let us know how it goes!

-Coach Natalie

SRC54

@Coach Natalie I did all of that again just now. Yep, verified everything again on my checks, my statement and at the bank's site. It is absolutely correct. The problem seems to be that this information is blocked. It may have to be cleared on your end.

It seems that a glitch developed somehow with the test deposits and now it won't let me try with the same numbers.

P.S. I have asked the bank if they denied any small ACH deposits to my account yesterday or Friday. Also I am asking them if there is an alternative account number I should use. Will let you know their answers.

SRC54

@Coach Natalie Verified with bank that all information is correct and that no ACH deposits were denied. So must be a glitch with Simplifi’s service provider. 😉

DannyB

https://community.simplifimoney.com/discussion/comment/43760#Comment_43760

…or a glitch with the company that provides this service. Did you happen to click on the disclosure links in the process of setting up A2A? Those links will lead, if not directly, then indirectly to the website of the company QS is using to provide this service. I don't read the entire disclosers, but I do skim them, and I was able to do a bit of checking on what this company is about and what services it is selling.

P.S. You can find the link to disable A2A for an account via Settings > Accounts > 3 dot menu

SRC54

Well yes, probably right but to users it’s the same thing. Just as with Plaid or Zillow, they’re contracted services.

In this case it would most likely be the service at fault. My bank says they aren’t blocking it, and I don’t see why they would. We’ll see.

I amended my post. Mea culpa but I came downtown to the bank. I write abbreviated messages while on the phone.

Coach Natalie

@SRC54, thanks for giving those steps a try!

I'm not sure what we'll be able to do from our end, but I can file a ticket so the appropriate parties can access the appropriate tools to see if we can at least gain more insight as to why the account verification is failing. To do so, I need to gather some details from you:

1. The name of the account you're trying to enable for A2A, as it appears in Quicken Simplifi.
2. The browser and browser version you're accessing the Quicken Simplifi Web App from.
3. The OS of the computer you're accessing the Quicken Simplifi Web App from.

Please also submit your logs via the 'Send Feedback' option:

1. Log into the Quicken Simplifi Web App.
2. Select Profile from the left-hand navigation bar.
3. With the Profile menu open, hold down the Option key for Mac or the Alt key for Windows, and then click Send Feedback. 
4. Leave all boxes checked, add a brief description of the issue, and then click Send.

-Coach Natalie

SRC54

@Coach Natalie The account is FUSB. The Browser is Safari 18.1. The MacOS is 15.1. I will send to your attention the logs. Thanks!

RobWilk

Not sure if it's because I'm on a different computer, but today again i got:

I believe (am i wrong) all my accounts are already set up. I did reauthorize chase for the credit card today though and don't know if that broke the connection.

Coach Natalie

@SRC54, thank you!

I filed a ticket and will let you know when I hear back.

SIMPL-24476

Coach Natalie

@RobWilk, it's most likely a caching or cookies issue with the browser where it didn't save your prior selection. I would suggest clicking "no thanks" to see if the message stays away after doing so. You should be able to view the enabled A2A accounts under Settings > Transfer Activity. It might be under Settings > Accounts, though. (It's so hard for me to advise users when I can't access this feature! Lol.)

Let us know how it goes!

-Coach Natalie