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TreasuryDirect One-Time Passcode - FDP-103 (edited)

MSS997

Simplifi has been unable to connect to TreasuryDirect since February 2025. Their website has implemented a one-time passcode to be used in addition to your password, which may be why this is happening. How can the connection be re-established with the one-time passcode?

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Comments

Coach Jon

Hello @MSS997,

Thanks for reaching out! From our side, I can see that you are receiving an FDP-103 error when trying to connect. I would have you verify the following information to better assist us going forward:

Verify the bank selected is the correct instance – You may see several different instances of your bank that you can add in the Add Account screen. Check to see if you’re using the correct one.
Verify your login information is correct – Type your password/PIN into a text application to ensure you don’t have any typographical errors. Then, copy and paste your login information into Quicken Simplifi to ensure accuracy.
Verify your login at the bank’s website – Try to sign in to your bank’s website using the same login credentials to ensure you've not locked yourself out of the account and the credentials are still valid.
Check for an app-specific password – Some banks require users to use a specific app password when connecting to a third party. Check with your bank to see if you need to use an app-specific password.
Update your credentials – Try temporarily updating your password on your bank's website and then try again to connect to Quicken Simplifi. We recommend NOT using the following special characters: & < > / \.

-Coach Jon

MSS997

As I had stated in my posting, everything was working up until Feb 2025. Nothing has changed with my logon or with my one account except that they now require a one-time passcode that they generate and send to me each time I log in. I have successfully accessed my account at their website several times using the same user ID and password I have always used (once I use the one-time passcode provided). I was looking for assistance in how to get Simplifi to work with a one-time passcode.

Coach Jon

Hello @MSS997,

Thanks for the reply! To clarify, are you stating that when you try to connect this account within Quicken Simplifi that you are not being prompted to enter a multi-factor authentication code even though your bank sends you one?

-Coach Jon

MSS997

Correct

Coach Kristina

Thank you for your reply,

I just tested with my TreasuryDirect account, and I did get receive the one time passcode prompt.

Are you using the web app or the mobile app? If you're using the web app, which browser are you using? If you have any pop-up blockers or ad blockers, try pausing them when you try to update your TreasuryDirect account in Quicken Simplifi.

Please let me know how it goes!

MSS997

I am using Microsoft Edge and no ad block. I just tried again and did not get the one time passcode prompt.

Coach Jon

Hello @MSS997,

Thanks for the reply! I would see if using another web browser/incognito mode works to resolve this issue. If it does not, can you please supply the following information:

Have there been recent changes in your banking website? If there are changes, what are those?
What is the exact URL you use to log in to your account (login URL)?
What type of accounts are you adding (banking, investment, debt, etc.)?
Please provide a screenshot of the bank account summary page that includes the URL. You’re welcome to remove or obscure any personal information.
Document the FORMAT of your password (NEVER the actual password!). For example, the password of "Quicken123$" would be "Xxxxxxx###$." Document the specific special character(s) in the password. (AGAIN, NOT the actual password!).

-Coach Jon

MSS997

Never mind. I just deleted the account and readded it and the One-time passcode request showed up. Added it and it is now updated.

BTW: While checking around I also found that my HSA account had not been updated since Feb also. It also used a One-time passcode. I deleted it, readded it and it started working as well.

Coach Jon

Hello @MSS997,

I am glad that you were able to resolve the issue you were seeing! Thanks for letting us know!

-Coach Jon