American Express keeps years of PDF statements online, far past the 12 to 18 months its download screen will serve. Upload them and get a clean QFX that imports straight into Quicken, dated, signed, and ready to reconcile.
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American Express moved Quicken downloads onto Express Web Connect Plus, a bank hosted sign in that has to be reauthorized roughly every 90 days, and almost every Amex download failure traces back to that reauthorization not completing. Quicken is explicit that you should not deactivate and reactivate your American Express accounts while you are working through the reauthorization, which matters because deactivating is the standard advice for most other banks and it is the wrong move here. The errors that accompany it are CC-902 and OL-301 on Windows and FDP-390 on Mac. When the prompt will not clear, converting the Amex PDF statement to a QFX and importing that file gets the transactions in without touching the connection at all.
American Express fails in a narrower set of ways than most banks, and nearly all of them sit around the reauthorization step rather than the download itself.
One Step Update asks you to reauthorize American Express, you sign in at the Amex window, and the next update asks again. Because Amex requires reauthorization every 90 days or so, an account that cannot complete the step goes dark permanently rather than just once.
The reauthorization page opens but the button will not respond, or the American Express account you need is not listed on the page at all, which leaves no way to finish the step from inside Quicken.
Users report reauthorizing successfully and finding the account still sitting on the older Express Web Connect rather than moving to Express Web Connect Plus, so the same prompt returns on the next update.
These are the codes Quicken names on its own American Express guidance. CC-902 and OL-301 appear on Windows and FDP-390 on Mac. All three are pointing at the same reauthorization step rather than at three separate faults.
An Amex card you closed years ago that is still enabled for downloads will keep triggering the reauthorization prompt even after every account you actually use has been authorized. This is a documented cause of the repeat prompt.
Once the connection works again it resumes from the current date rather than resending the weeks it skipped, so a gap that opened in March is still a gap in August.
American Express keeps PDF statements online long after its transaction download window has closed. Turn any of them into a QFX file and Quicken imports it exactly the way it imports a bank download.
The export is a Web Connect QFX written to spec, with the balance and transaction blocks Quicken expects, so the import runs instead of erroring out.
An imported file never touches the aggregation layer, so a 90 day reauthorization cycle that will not complete stops being your problem for the periods you need.
The Amex download screen serves roughly 12 to 18 months. Statements go back much further, and converting them is the only practical way to get that older history into Quicken.
Charges import negative and payments positive, so the balance after the import ties to the printed Amex statement instead of doubling.
Platinum, Gold, Green, Blue Cash and Business Amex statements all convert through the same workflow, including supplementary card activity.
Need the same Amex activity in a spreadsheet, or in software that reads plain OFX? Both come from the same extraction.
No reauthorization prompt, no retyping, no waiting on the bank.
Sign in at americanexpress.com and save the PDF statements covering the period Quicken skipped, one file per billing period.
Tip: Statements sit under Statements and Activity, separate from the transaction download screen.
Upload the statements, check the extracted transaction table against the printed one, and export a QFX file built for Quicken.
Tip: Pick OFX instead if you are on MS Money or another finance program.
Use File, then File Import, then Web Connect File, choose the existing American Express account, and review the matches before accepting.
Tip: Quicken flags likely duplicates, so a little overlap at the edges is safe.
Anyone whose books depend on Quicken staying current with an American Express card.
Platinum, Gold and Blue Cash accounts stuck on a reauthorization prompt that returns every update, while other banks in the same file refresh normally.
Amex Business Platinum and Business Gold accounts carrying most of the year expenses, with a quarter to close and a feed that stopped in the middle of it.
Travel and entertainment spending concentrated on one card, where a two month gap is hundreds of transactions rather than a handful.
Working in a client Quicken file where the Amex feed broke months ago and the gap now sits outside the download window entirely.
Work from the top. The order matters more on American Express than on most banks, because the single most common mistake is jumping straight to deactivate and reactivate, which Quicken specifically tells you not to do here. Back the file up before step five.
| Fix | When it applies | What to do |
|---|---|---|
| Complete the reauthorization without deactivating | Quicken is prompting you to reauthorize Amex | Click Reauthorize or Set Up and sign in with your American Express credentials. Do not deactivate the accounts first. Quicken states this explicitly. |
| Tick every Amex account on the permission screen | Some Amex accounts update and others do not | The bank hosted screen lets you authorize per account. An account left unticked stays unauthorized and keeps prompting. |
| Deactivate hidden and closed Amex accounts | The prompt returns even though every active card is authorized | Tools, then Manage Hidden Accounts, and turn off online services on the Online Services tab for any closed Amex card still enabled. |
| Check the account actually moved to Express Web Connect Plus | Reauthorization reports success and the prompt still returns | Edit account details, then Online Services, and read the connection method. If it still says Express Web Connect, the switch did not take. |
| Deactivate, restart Quicken, reactivate as EWC Plus | Only after the steps above have failed | Back up first. Deactivate online setup in Edit account details, fully close and reopen Quicken, then reconnect and choose Express Web Connect Plus. |
| Convert the statement | The gap predates the download window, or nothing above holds | Convert the Amex PDF statements to QFX and import them. This is the only route that does not depend on the connection behaving. |
In most cases the reauthorization on the Express Web Connect Plus connection has not completed. American Express asks you to sign in again roughly every 90 days, and if that step fails or is skipped, Quicken can still open a session but cannot pull transactions, so the update finishes without an obvious error while the register stays unchanged. The second most common cause is a hidden or closed Amex card that is still enabled for downloads and keeps re-triggering the prompt after your active cards have been authorized.
Not while you are working through the reauthorization. Quicken states directly that you should not deactivate and reactivate your American Express accounts while completing the reauthorization steps, and the Mac wording is the same with disconnect and reconnect in place of deactivate and reactivate. This is the opposite of the advice that works at most other banks, which is exactly why so many people make the situation worse. Deactivating becomes a reasonable step only after the reauthorization, the per account permissions and the hidden account check have all been tried and failed.
No. American Express has moved off Direct Connect and Express Web Connect to Express Web Connect Plus, which Quicken calls Quicken Connect on Mac. Amex is part of the same wave as Chase and Charles Schwab. The practical consequence is that there is no two way connection to switch to when the feed misbehaves, no Quicken bill pay through Amex, and the periodic bank hosted sign in is now a permanent part of the arrangement rather than a temporary state.
| Method | American Express status | What it means for you |
|---|---|---|
| Direct Connect | Discontinued | Advice telling you to switch to Direct Connect has nowhere to go, and there is no bill pay through Quicken. |
| Express Web Connect | Discontinued, replaced by EWC Plus | An account still showing this method has not finished migrating, which is itself a cause of repeat prompts. |
| Express Web Connect Plus | The current route | Bank hosted sign in, reauthorized roughly every 90 days, download only. This is where the failures happen. |
| Web Connect (manual QFX) | Offered through the download screen | A manual QFX you import yourself, limited to roughly the last 12 to 18 months of activity. |
| Statement conversion | Always available | Works on any statement you can download as a PDF, including periods no download screen will serve. |
They are the codes Quicken names on its own American Express guidance, and in this context all three point at the same thing: the account needs to be reauthorized through the bank hosted sign in. CC-902 and OL-301 appear on Windows, FDP-390 on Mac. Seeing one of them on an Amex account is not a sign of three different faults to chase, it is a prompt to click Reauthorize or Set Up and complete the sign in.
That is worth stressing because the OL family normally signals something quite different. OL codes usually relate to Direct Connect or to a Web Connect file, and the usual OL troubleshooting involves connection settings and file repair. On American Express, where Direct Connect no longer exists, treating OL-301 as a generic connection failure sends you down a path with no destination. The Quicken connection errors reference sets out the difference between the CC and OL families in full.
The activity download on americanexpress.com covers roughly the last 12 to 18 months, and the site exposes the past six billing statements directly in your account. PDF statements go back considerably further, commonly several years. That difference is the whole reason statement conversion exists as a route: the data you need for an older tax year is still available to you as a PDF long after no download screen will hand it over as a QFX.
| What you want | Best route | Limit |
|---|---|---|
| The last few weeks | Fix the connection, or download a QFX from the activity screen | Needs the reauthorization to be working. |
| The last year | Manual QFX download by date range | Roughly 12 to 18 months of activity. |
| An older tax year | Convert the PDF statements | Only limited by how far back your statements go. |
| A closed Amex card | Convert whatever statements you saved | No connection exists to repair. |
Sign in at americanexpress.com, open the card account, and go to Statements and Activity. Choose the download or export option, select the Quicken file type, which saves with a .qfx extension, set the date range you need, and download. Quicken will often pick the file up and start the import automatically. If it does not, use File, then File Import, then Web Connect File, and point it at the saved .qfx.
The limit is range, not format. A manual download only reaches as far back as the activity screen exposes, which is why this route closes a gap of a few weeks and does nothing for one that opened two years ago. Statement conversion has no such limit, because a PDF statement you saved in 2022 converts exactly as well today as it did then.
American Express already left Direct Connect behind, so this does not change anything on your Amex card directly. It matters if Amex is one of several institutions in your Quicken file. Multiple banks have published notices that Direct Connect will be discontinued on October 30, 2026, attributing the change to Intuit, which supplies the connectivity service behind Direct Connect for both QuickBooks and Quicken, retiring its desktop products. Those notices direct customers to Express Web Connect or to manual Web Connect downloads instead.
In other words, the periodic reauthorization that Amex users have already been living with is on its way to becoming the normal experience everywhere. Manual file import stops being a workaround and becomes a standing part of the toolkit. If you keep a Quicken file for tax or reconciliation purposes, it is worth confirming now which of your banks are affected. Dates and details published by individual banks vary, so check your own bank notice rather than relying on a summary.
An aggregated connection reports on the session, not on the contents. Quicken asks the aggregation service for American Express data, the service answers, and Quicken marks the update complete. If the answer contained no transactions, because the authorization silently lapsed or because the specific card was never ticked on the permission screen, you get a clean update and an unchanged register. That is why checking the per account permissions is worth doing early, even when nothing appears to be wrong.
Once downloads resume, the gap the outage left is still there, because a restored feed starts from today rather than resending what it missed. A converted statement produces the same Web Connect QFX Quicken accepts from a bank, so it slots straight into the importer. The PDF to QFX converter makes exactly that file, and the convert bank statement to Quicken page walks through the import screen by screen. Because this is a card rather than a checking account, the credit card statement to OFX page covers the sign conventions that decide whether your balance ties out. If more than one institution is affected, the Quicken not downloading transactions pillar covers the per bank picture, with dedicated pages for Chase not downloading to Quicken, Bank of America not downloading to Quicken, Capital One not downloading to Quicken and Wells Fargo not downloading to Quicken, the bank that took the opposite path and kept Direct Connect. For what a QFX actually contains, the OFX file format reference explains the blocks Quicken reads.
Most often the reauthorization on the Express Web Connect Plus connection has lapsed or failed to complete, leaving Quicken able to open a session but unable to pull transactions. American Express requires reauthorization roughly every 90 days. The other frequent cause is a hidden or closed Amex card that is still enabled for downloads and keeps re-triggering the prompt.
Not while you are completing the reauthorization. Quicken states directly that you should not deactivate and reactivate American Express accounts during those steps, and the Mac guidance says the same using disconnect and reconnect. This is the opposite of the usual advice for other banks, which is why it catches people out. Try it only after reauthorization, per account permissions and the hidden account check have all failed.
American Express asks for reauthorization roughly every 90 days by design, so some prompting is expected. A prompt that returns on every update usually means the step is not finishing. The documented causes are a closed or hidden Amex account still enabled for downloads, an account left unticked on the bank permission screen, and an account that did not actually move onto Express Web Connect Plus.
They are the error codes Quicken names on its American Express guidance, with CC-902 and OL-301 on Windows and FDP-390 on Mac. On an Amex account all three point at the same reauthorization step rather than three separate faults. The response to each is to click Reauthorize or Set Up and sign in with your American Express credentials.
No. American Express has discontinued Direct Connect and Express Web Connect and moved to Express Web Connect Plus, known as Quicken Connect on Mac. That means downloads only, no Quicken bill pay through Amex, and no two way connection to fall back on when the feed breaks.
The activity download covers roughly the last 12 to 18 months, and your account exposes the past six billing statements directly. PDF statements reach back considerably further. For an older tax year, converting the PDF statements is normally the only route, because no download screen will serve that range as a QFX.
Almost never. A repaired connection resumes from the current date rather than resending the period it skipped, so the gap stays open after the fix. Filling it means either a manual download, if the range is still available, or converting the statements covering those weeks and importing the result.
Not directly. Quicken imports QFX, OFX, QIF and CSV depending on the version, and it has no way to read a PDF. Converting the statement to a QFX first gives Quicken the Web Connect file it already knows how to import, which is why this route works on periods no download screen will serve.
The same fix across every bank Quicken connects to.
The OL and CC error codes, decoded and fixed in order.
Card statements, sign conventions, and balances that tie out.
Turn a PDF statement into the QFX file Quicken imports.
Get started converting bank statements to OFX.
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