FIXED - Discover broken again

[jantman]

Discover credit cards are broken again.

I'm working on a fix now...

[jantman]

Discover credit cards broke for me sometime on May 10-11, 2017. I saw this confirmed for other software as well. It turns out that Discover has changed the account numbers (ACCTID) used by Ofx.

One fix would probably be to run the setup again. Alternatively, you can do what I did and fix the "number" field for your account in ~/ofxclient.ini:

1. Log in to your account on Discover.com, click the "Recent Activity" button.
2. In the grayish box in the middle of the screen, click the "Download" link near the top left.
3. Select the button for "Other Financial Management Software" and click Download.
4. The resulting file will be an ASCII text file with the .bin extension; download it.
5. Open the file and look for the <ACCTID> tag, and grab the number after that tag.

Up to May 10 or 11, the "number" (ACCTID) that Discover was using for my account was my full credit card number. Now, it has changed to something like "Discovr06XaaXaaaaXbbbb" where "a" are numbers that don't seem to make any sense to me, and "bbbb" are the last four digits of my card number.

[denvaar]

I can confirm that Discover card has changed the way they do account numbers now. I called Discover and the person talking to me told me that they are now using different account numbers than what would appear on the card. Section 8.5.1 in the OFX Spec talks about the reasoning behind doing this.

[denvaar]

@jantman Do you know how one would make an OFX request to get a list of ACCTID's for a given user using 2.0+ format?

I also noticed that the file I downloaded from Discover's website has different ORG and FID values than I have seen <ORG>Discover Card Account Center<FID>9625</FI>

[jantman]

@denvaar I really don't know much about the OFX spec at all... I know that the PocketSense scripts converted to OFX 2.0 for Discover, but 102 still works fine for me. I thought that the difference, in practical terms, was just well-formed XML (i.e. closing tags).

I assume that the request to get ACCTIDs would be the same as 1.x, except for the message formatting... but I don't really know.

[captin411]

@denvaar to get the list of accounts, take a look at the cli.py

It has an example using the Institution.authenticate() and Institution.accounts() methods. Those are how this CLI get and present your accounts in your bank to you when you add a bank.

[captin411]

I missed the "in 2.0" part. I've never used 2.0 myself. This library uses the ofxparse module; perhaps there is some discussion over on that project related to the 2.0 format that might shed light.