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HealthEquity FDP-108 error (edited)

nrp06

Quicken team.

I'm confused.

I saw posts saying that the HealthEquity issue was resolved.

"UPDATED 2/18/26

HealthEquity is no longer blocking connections and has re-added support for third-party aggregators. This $0 balance issue is the only discrepancy users may still see, and it is being addressed.

Please note that you will need to register for HealthEquity's new website to continue connecting in Quicken Simplifi. You should have received an email from HealthEquity with instructions on how to do so. Once complete, connectivity in Quicken Simplifi should resume as expected."

Well, I'm on the new website, and that new website does not accept passwords. Only passkeys.

And on Simplifi, when you ask to connect HealthEquity, the system asks for userid and password. Which HealthEquity does not accept.

On this page (https://www.healthequity.com/library/replacing-passwords-with-passkeys), HealthEquity says

Can I opt out of using a passkey?

No. Once passkey login is available for your account, you’ll need to use it to access your benefits—on mobile or desktop. Traditional login methods like passwords and SMS codes will no longer be supported.

So as far as I can see, this issue is NOT resolved. Or maybe someone can tell me what I am doing wrong.

Thanks.,

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Comments

EF1

I am also unable to link Simplifi to my HealthEquity account. [removed competitor mention] With HealthEquity's passkey requirement, [removed competitor mention] prompted me to log in and when the passkey was needed, HealthEquity sent a notification to my HealthEquity app on my phone for me to allow Simplifi to access my HealthEquity account. My Simplifi subscription ends later this year, so I may choose to move to [removed competitor mention] at that time... Just sayin'.

For the record, the error I get from Simplifi when trying to link my HealthEquity account is…

"To connect to your account, you must complete an action at the website for HealthEquity.

Care Code: FDP-108"

Unfortunately that's a pretty vague error message and tells the user nothing about what they must do at the HealthEquity web site.

new-frog

Thanks for the info about [removed competitor mention]. I plan to cancel Simplifi and move. Quicken has had more than enough time to solve this problem, and they haven't. Time's up.

BrandonG

Is there an updated ETA? The post that we're asked to follow has not been updated since March 6th. (It is April 30th).

hawk3ye

I tried [removed competitor mention] based on suggestion above but the connection didn't work for me (never received the passkey prompt). Still, I am liking that it successfully connects to Venmo, so I may make the switch.

Earlsrock

Just dropping this here to be realistic - I'm a Simplifi customer and not involved with operations of Simplifi at all.

I'm one of the ones that worked with the Simplifi devs on this to capture data for the login failures. When we all talked the devs present on the call didn't seem to have a great understanding of how passkeys operate but we discussed the need to consider building native passkey support into the product. They agreed this is the likely the "future of authentication" and it would need to be explored. Searching for other threads you can see this has been asked about by customers for a couple years.

I have to imagine adding passkey support can take a great deal of time and comes with inherent risks. I personally don't want my personal access to financial data to be vibe-coded via AI and I question if I want a cloud service to be allowed to be a passkey at all. The problem with passkeys (with HE's implementation at least) is that we can't make it read-only like the APIs can be. If Simplifi is ever hacked and they spoof the device pretending to be me - all my finances are at risk. With my passkey, they don't just see my balance - they can move my money. Makes cloud services very unattractive when you think about it. The alternative is that I have to use my own personal passkey every time Simplifi wants to update (phone, ubikey, etc.) - which I'm not against for one service, but imagine if every one of your accounts required manual auth every time by moving to passkey only.

When I spoke with HealthEquity (HE) support they confirmed that they partnered only with Plaid as a financial aggregator for API access. Have to admit though that I'm not sure how that would work since I can't even ste a password on my HE account anymore. [removed - accuracy] (as do most of these products and searching shows Yodlee to be the most widely used by larger institutions). Plaid seems to target the "smaller" institutions. Venmo uses Plaid for example which is likely why the redacted competitor can connect to it. I can't explain why HE won't though as I don't use that service.

The devs on the call didn't have any information about whether Simplifi will consider using Plaid but it was a couple months ago though so the landscape may have changed. If you look at the list of banks that use Plaid you will see a lack of a lot of common/big names (easily found in an internet search). As a consumer though - I know that if Simplifi chooses to use multiple financial aggregators, then that will be at a likely significant cost to Simplifi. They would then have to pass that cost on to us. So that will only turn into more frequent and larger price increases.

I'm not saying I agree with it not working for a long time - just that I understand it.

My two cents…

hawk3ye

@Earlsrock Thanks for your thoughtful & detailed post, and the info on your conversations with the dev team. I am trying to balance my desire to see an aggregate picture of my finances with security and do want to err on the side of more security. (I'm not a fan of the Account to Account functionality for this reason and don't use simplifi on my phone.) I encountered Plaid recently when connecting a new funding account to HE and so far have no issues with it. Thanks again.

Pixeljogger

I am having this issue as well. I am new to quicken.

Coach Janean

Hi @Pixeljogger, I am sorry you are having trouble with your HealthEquity account. @hawk3ye, @Earlsrock, @BrandonG, I am sorry that this issue is still ongoing. I do not have a detailed update however, our teams are actively working on resolving this issue. Please continue to follow our Alert for updates:

https://community.simplifimoney.com/discussion/15798/ongoing-2-20-26-healthequity-returns-an-fdp-108-error

We appreciate your continued patience.

archai

I'm trying to follow the instructions in the below discussion and failed at the step-

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.

I was not able to reconnect and am getting an error "To connect to your account, you must complete an action at the website for HealthEquity. Care Code: FDP-108" Coach Jon then asks to supply a series of personal information but I'm not sure how or where to send that info to.

Thanks

https://community.simplifimoney.com/discussion/15776/healthequity-hsa-investment-account-missing

Coach Natalie

@archai, thank you for reaching out to the Community!

I have merged your post with the ongoing discussion for the FDP-108 error with HealthEquity. As you can see from the above discussion, this is a known issue. While the issue is being addressed, you can follow our Alert for updates, including a resolution.

https://community.simplifimoney.com/discussion/15798/ongoing-2-20-26-healthequity-returns-an-fdp-108-error

In the meantime, you can track the account manually to keep your records up to date. Here are the steps to do so:

Make the account manual so you can add and edit Holdings (if applicable): https://support.simplifi.quicken.com/en/articles/5321064-how-to-make-an-account-manual#h_d9c41566d8
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

Thank you for your patience as we work through this!

BrandonG

I just received an email that the renewal price is increasing. Is that appropriate given the core functionality of interfacing transactions still does not work?

BrandonG

Also the ongoing discussion that the coaches are pointing everyone too hasn't been updated in over 2 months. What is the purpose of following a post that is not updated timely?

BrandonG

The "discussion" that we are supposed to follow has not been updated in almost 3 months now. Maybe it shouldn't be called a "discussion" if there is no interaction in it? I still have not heard why the annual membership is increasing while the basic functionality still does not work.

jcconway63

Agreed. All talk, no action. Certainly don’t get the sense anyone is reaching out to Health Equity to resolve this. Reduced value of the service. Manual updates just don’t cut it.

Thirdegree

HealthEquity deserves equal share of the blame. I just left them feedback in their app several times that passkey as the only authentication mechanism is misguided.

It is ludicrous that passkey is the only authentication mechanism they support. It is literally the only service/account I use that does not support a user/pw with an mfa method in addition to passkey.

They need to understand how unacceptable this is as well. If HealthEquity starts to hear from their user base I expect they’ll be more inclined to provide a more realistic set of authentication options.

Not defending Simplifi as I have plenty of pain points with the product (support for splits and linking to different recurring transactions kill me) but I think HealthEquity deserves more of the ire on this particular issue.

jcconway63

Thanks. I didn’t realize that was the issue. I will share my feedback with them as well.

glennf14

I performed the "reset connection" workflow on May 15 and that fixed my connection, for a time. However, about a week later, HealthEquity forced their authentication to change to passkeys and "confirm-on-app" authentication. No more passwords, from what I can tell. This caused the connection to Quicken to break again, and I'm receiving FDP-108 error now.

Any updates on progress with HealthEquity?

glennf14

I opened a support case with HealthEquity and received this response:

"Thank you for your inquiry. Due to our recent security upgrade to passkey authentication, HealthEquity does not support connections with financial data aggregators."

@Coach Natalie do you see HealthEquity's stance on this changing in the near future? Has there been any progress on working with them on a resolution?