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Golden 1 Credit Union - Connection Error (FDP-105)

MrSacras

The connection to Golden 1 has been broken for 17 days (since Golden 1 updated its website and app). A moderator has reported/announced it's a known issue; however, there are no updates or a projected time to resolve it.

My specific error is Care code: FDP-105.

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Comments

Coach Natalie

@MrSacras, thanks for reaching out to the Community!

The FDP-105 error with The Golden 1 Credit Union is a known issue. While the issue is being worked on, you can follow our Alert for updates:

https://community.simplifimoney.com/discussion/15911/new-3-4-26-the-golden-1-credit-union-returns-an-fdp-105-error

We currently don't have an ETA for when the issue will be fixed, but any news will be posted to that Alert when available. However, it does appear the issue is caused by maintenance on the bank's end, so we recommend trying at a later time as well.

In the meantime, you can track the account manually by adding manual transactions, which will keep your records up-to-date. Here are the steps to do so: https://support.simplifi.quicken.com/en/articles/3348103-managing-transactions-in-quicken-simplifi#h_85ca9fed99

Thank you for your patience as we work to resolve the known issue!

MdE

This issue is or has been ongoing for approximately three weeks now. Here are the facts, Golden One maintains they are having maintenance issues with communicating not only with Quicken Simplifi but other links such as LifeLock. Manually inputting data from banks defeats the purpose of subscribing to SimpliFi. Tax Season is fast approaching, and business depends upon the integrity of relationship you have with the other party. The error code FDP-105 doesn't help me. Time is money, and after 20+ years both banking and financial record keeping methods require re-evaluation.

MrSacras

Echoing MdE … the error and Quicken's response that it is "aware" of the problem does not help users to set their budgets, review transactions, or get ready to file their taxes. So disappointing and frustrating!

jjshell95

Is there any news on this? We haven't heard anything since March 9th. However, Golden1 did tell me that it was going to be the end of April, but I sure hope that is a under promise and over deliver situation. Any news is helpful. Thanks.

MrSacras

I, too, contacted Golden 1, and their timeline has shifted:

Thank you for reaching out to us regarding Quicken. I understand your concern when you are unable to utilize an online service and we sincerely apologize for any inconvenience this matter has caused you. I am happy to assist you. As of this message, 04/06/2026, we anticipate having Express Web Connect available sometime in May. Our back-office team is working diligently to provide the best solution to resolve this matter as we continue to make updates to make the experience more reliable. We know waiting isn't ideal, and we truly appreciate your patience and understanding while these improvements are finalized.

So frustrating!

qdasmom

Do we have any updates on when this will be fixed? Are you still thinking May?

rayfarer

Is this really still broken? I find it hard to believe something I am paying for has stayed broken for 3 months. Come on guys! Give us an update or give us our money back.

At work people were asking for budget software to recommend. I can't recommend Simplifi because of the constant outages and lack of follow through.

[removed - disruptive]

rayfarer

My link was removed for being "disruptive"

It was a link to [removed competitor mention], a competitor product. I would recommend it over Simplifi.

Intuit — give us our money back!

MrSacras

https://community.simplifimoney.com/discussion/comment/69125#Comment_69125

I haven’t called or messaged Golden 1 again so I can’t say whether the mid-May is still their forecasted date to fix the connection but I can tell you of a workaround I’m using in the meantime.

The workaround suggested by Google AI is to download and then upload all transactions since the connection was disrupted. For me, that meant downloading all transactions between February 19 and the present. I downloaded and uploaded the data via a CSV spreadsheet (just be sure to rename/insert the necessary columns). See suggestion: https://share.google/aimode/vT2GzIim1KewtEpNi

MrSacras

Super frustrating! For folks in the Sacramento area, a workable credit union alternative is Safe Credit Union. I'm moving our accounts over there next month.

jjshell95

This issue has been around for 3 months now. I am not going to download and all that stuff. Where is this and when is it going to be fixed? I too was looking into moving to SAFE Credit Union, but I really don't want to do it. If it is an issue with Golden1, it can happen to any of the alternatives. This just needs to be fixed. This is the primary reason I have Quicken at all, to keep track of my incoming and outgoing transactions. Frustrating beyond compare.

jifree

End of May and no fix yet, 95 days without a connection, sounds like the bank update broke this and Quicken cannot fix it until the bank does but its really killing my ability to manage finances

BGilbert

This error presists. It is not scheduled maintanence Is there any progress in this , it worked for a very long time before. I suspect they updated thier website and simplify has not made changes to compensate, that is just simple logic and I really don't know.

Thank you!

"Account needs attention

(Care code: FDP-105)

We are unable to connect to The Golden 1 Credit Union at this time. Please try again later."

Coach Natalie

@BGilbert, thanks for reaching out to the Community!

Your post has been merged with the ongoing thread for this issue. While the issue is being worked on, we have an Alert that everyone can follow for updates:

https://community.simplifimoney.com/discussion/15911/ongoing-3-4-26-the-golden-1-credit-union-returns-an-fdp-105-error

I hope this helps!

BGilbert

Regular updates with any estimates would be a nice and appreciated start! Reading the tidbits in comments, I read we have no idea when it will be fixed, and fingers are pointed at the vendor. I am not saying this is true, just what I am reading. +100 Days is a long time!

I see one person talking about downloading and uploading transactions, but what happens when it is fixed?

Thank you!

[Edited - Readability]

Coach Kristina

Thank you for the follow-up,

The last update we received was that the issue is due to maintenance being done on Golden 1's end.

I see one person talking about downloading and uploading transactions, but what happens when it is fixed?

To clarify, are you concerned about downloading duplicate transactions once it's fixed? If Quicken Simplifi does not recognize that the transaction is already in your register, you can delete the duplicate entries or merge them manually. For information on merging duplicate transactions, please see this article: https://support.simplifi.quicken.com/en/articles/4901071-how-to-resolve-duplicate-transactions#h_4f0ea3259a

I hope this helps!

BGilbert

Understood on the upload and download.

On the issue , Is this blocked by Golden 1 third-party aggregation access, an MFA/OAuth issue, or a Quicken scripting issue?

Dawgpoun

Just received this message today:

Golden FCU is reporting connection issues

Connections are blocked from Jun 01 16:40 PDT to Jun 30 16:40 PDT. You'll be able to reconnect after this time.

BGilbert

interesting slightly different message and indicates somebody’s interpreting the message because they just got it wrong, unless they’re trying to tell me, I’m kicked out for a year! Fingers crossed

[edited image to reduce size]

AbbyBenson

Ok so the new expected date for this to be fixed is July 1. Guess I'll check back then. Would really love for this to be fixed!

Kenny1963

I got an update while trying to log on

[edited image to reduce size]

Coach Natalie

@Kenny1963, thanks for reaching out to the Community!

Your post has been merged with the ongoing thread for this issue. While the issue is being worked on, we have an Alert that everyone can follow for updates:

https://community.simplifimoney.com/discussion/15911/ongoing-3-4-26-the-golden-1-credit-union-returns-an-fdp-105-error

In the meantime, you can track the account manually by adding transactions, which will keep your records up to date. Here are the steps to do so: https://support.simplifi.quicken.com/en/articles/3348103-managing-transactions-in-quicken-simplifi#h_85ca9fed99

If the account is an investment account, the manual tracking steps are a little different:

Make the account manual so you can add and edit Holdings: https://support.simplifi.quicken.com/en/articles/5321064-how-to-make-an-account-manual#h_d9c41566d8
- If you have not already added the manual investment account, the steps to do so are here: https://support.simplifi.quicken.com/en/articles/4295304-adding-accounts-in-quicken-simplifi#h_933c74c4b4
Add/edit your Holdings to keep accurate records: https://support.simplifi.quicken.com/en/articles/4474538-tracking-investments-in-quicken-simplifi#h_f8a7bc2e30 and https://support.simplifi.quicken.com/en/articles/4474538-tracking-investments-in-quicken-simplifi#h_034717f2b3

I hope this helps!

rayfarer

So this has been an issue since March

[rant redacted]

rayfarer

[removed - accuracy]

I cancelled via the AI bot and it was very easy.

They will delete this too.

Intuit, you're the worst!

qdasmom

This has been going on since March. Why can't this get fixed? Do we at least of an ETA at this point?

AbbyBenson

"Connections are blocked from Jun 01 16:40 PDT to Jun 30 16:40 PDT. You'll be able to reconnect after this time."

So I guess this didn't work? Has anyone been able to reconnect since yesterday?

DingoBoy

131 Days and counting.

HaiBon Sau

Wondering if anyone has tried to make a new account with Golden 1 new structure? I would be good if my account that does not connect to Simplifi became inactive but the new structure golden 1 account work going forward.

Coach Natalie

Hello everyone,

Our team is looking into the scheduled maintenance with Golden 1 to see if we can learn more. As soon as we have any news, including a resolution, it will be posted to our Alert:

https://community.simplifimoney.com/discussion/15911/ongoing-3-4-26-the-golden-1-credit-union-returns-an-fdp-105-error

Please be sure to follow along with the Alert for updates!

DingoBoy

I'll believe it when I see it…