HealthEquity FDP-108 error (edited)

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.

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

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…

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

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