Cant connect to M&T Direct Connect (edited)

John TL

Problem: Simplifi continually can't connect to my bank - M&T Direct Connect

I have contacted customer support for M&T about 3 times in the last week and there are no problems from their end.

I have also used the Quicken AI help feature and also contacted customer support by phone. The error code that I receive after Simplifi tries to connect is FDP-181. Customer Support indicated on Wednesday that this code is not in their data base of error codes. On Wednesday, while I was on hold with CS, I tried the steps which I was told to do (Reset connection; Delete Institution; Connect). After about the 4th try, the connection was made and I received all of the transactions.

Today (2/27/26), I opened Simplifi and, once again, I can't connect. Not sure what the issue is here but it's a bit of a problem not being able to retrieve data from the financial institution that I use the most.

Coach Jon

Hello @John TL,

Thanks for letting us know! I can see the FDP-181 error you are receiving from our side when trying to connect to M&T Bank. Let's have you try the following steps to see if they work in resolving the issue:

• Make all of the accounts with the bank manual by following the steps here.
• Once you see the account(s) listed in the Manual Accounts section under Settings > Accounts, go back through the Add Account flow to reconnect to the bank.
• If the connection is successful, carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

Let us know how this goes!