The Quicken FDP-103 error occurs when Quicken cannot validate the login credentials used to connect to a financial institution. In Quicken's current support documentation, Error 103 is associated with the message "Did you mistype your sign-in info?" and can occur when the financial institution rejects the credentials or outdated credentials remain stored in Quicken for Mac or the macOS Keychain.
FDP-103 is also commonly associated with CC-503. Recent Quicken Community cases explicitly identify FDP-103 as an FDP-103/CC-503 invalid-credentials error.
What Does Quicken FDP-103 Mean?
Quicken FDP-103 means that the financial institution could not validate the login credentials being used by Quicken.
The error can occur when:

• The username is incorrect.
• The password is incorrect.
• The bank password was recently changed.
• Quicken is using an outdated saved password.
• Old credentials remain in the macOS Keychain.
• The wrong financial institution entry was selected.
• The bank requires a different login for third-party applications.
• The financial institution is experiencing an institution-specific connection problem.

Quicken's official documentation also warns that when adding an account for the first time, selecting the correct financial institution listing is important because some institutions have separate listings for different account types, such as banking and credit cards.
Symptoms of Quicken FDP-103
You may see FDP-103 when:

• Adding a new bank account.
• Updating an existing account.
• Running One Step Update.
• Downloading transactions.
• Reconnecting a disconnected account.
• Quicken repeatedly asks for your bank password.
• Your bank website accepts the credentials but Quicken rejects them.
• Quicken for Mac reports "Did you mistype your sign-in info?"
• A previously working financial institution connection suddenly stops working.

The exact message can vary by Quicken version and connection, but the underlying status may be reported as FDP-103 / CC-503 / INVALID_CREDENTIALS.
Why Does Quicken FDP-103 Happen?
1. Incorrect Bank Username or Password
The most straightforward cause is incorrect financial-institution credentials.
Even a small difference can cause authentication to fail, including:

• Typing the wrong username.
• Entering an old password.
• Extra spaces.
• Typographical errors.
• Using credentials for a different account.
• Using a password that was recently changed.

Before changing anything in Quicken, verify that the same credentials work on the financial institution's official website.
2. Your Bank Password Was Recently Changed
If you changed your bank password recently, Quicken may still have the old credential stored.
For example:
Old password → saved in Quicken → bank password changed → Quicken sends old password → bank rejects it → FDP-103
In this situation, updating the saved credential is more appropriate than repeatedly attempting the old password.
3. Outdated Credentials in macOS Keychain
This is particularly relevant to Quicken for Mac.
Quicken's official documentation says outdated login credentials can be stored in the Mac Keychain and may cause Error 103.
That means the password you enter may not be the only credential Quicken is using. An old stored entry can continue causing authentication failures.
4. Wrong Financial Institution Selected
Quicken can contain multiple financial-institution listings for organizations with similar names.
For example, a financial institution may have separate entries for:

• Bank accounts
• Credit cards
• Investment accounts
• Specialized card services

Selecting the wrong listing can prevent Quicken from authenticating the account correctly.
Quicken specifically recommends verifying the correct financial institution when adding an account.
5. Third-Party Access Is Not Authorized
Some financial institutions require additional authorization before third-party applications can access account information.
The bank website may work normally while Quicken's connection still fails.
After signing into your bank's website, check for:

• Security notifications.
• New authentication requirements.
• Third-party access settings.
• Messages requiring confirmation.
• Requests to approve a new connection.

6. The Financial Institution Has a Connection-Specific Problem
Not every FDP-103 case is necessarily caused by a user typing the wrong password.
Recent Quicken Community reports show institution-specific FDP-103/CC-503 issues involving banks and card providers, including cases where users reported that their normal website credentials worked. Quicken moderators have sometimes identified these as known or internally escalated connection problems.
Therefore, if your credentials work directly on the bank website and Quicken still returns FDP-103, don't immediately assume that your password is wrong.
How to Fix Quicken FDP-103
Fix 1: Verify Your Bank Login
Start with the simplest test.

1. Open your financial institution's official website.
2. Sign in manually.
3. Enter the same username you use with Quicken.
4. Enter the current password.
5. Confirm that the account can be accessed successfully.
6. Check for security messages or notifications.

If the login fails on the bank website too, resolve the bank's login problem first.
If the bank website works but Quicken still returns FDP-103, continue with the Quicken troubleshooting steps.
Fix 2: Check the Financial Institution Listing
If you're adding the account for the first time:

1. Open Quicken.
2. Select Accounts → Add Account.
3. Search for your financial institution.
4. Carefully review the search results.
5. Select the correct institution.
6. Enter your current login credentials.
7. Continue with the account discovery process.

Pay particular attention if the institution has separate listings for bank accounts and credit cards.
Fix 3: Disconnect the Affected Account on Quicken for Mac
Quicken's current official procedure for Error 103 begins by disconnecting the affected financial-institution accounts.
In Quicken for Mac:

1. Open Quicken.
2. Go to Accounts → Hide and Show Accounts.
3. Check for hidden accounts associated with the affected financial institution.
4. Select the affected account from the Accounts toolbar.
5. Click the Settings icon.
6. Open the Downloads tab.
7. Select Disconnect Account.
8. Click Done.
9. Repeat the process for each affected account at that financial institution.

Do not delete the Quicken account merely because the online connection is failing.
Fix 4: Remove Old Quicken Credentials from Keychain
For Quicken for Mac, old credentials in Keychain can contribute to FDP-103.
On newer macOS versions

1. Open Finder.
2. Search for Keychain Access.
3. Open Keychain Access.
4. Set the Keychains selection to login.
5. Set the category to Passwords.
6. Look for entries associated with:
   • Quicken
   • Quicken Connect
   • The affected financial institution
7. Remove the relevant outdated entries.
8. Close Keychain Access.
9. Reopen Quicken.

Quicken's current Error 103 documentation specifically recommends removing Quicken/Quicken Connect entries associated with the affected financial institution from Keychain when applicable.
Important: Only remove entries clearly associated with Quicken/Quicken Connect and the affected financial institution. Don't randomly delete unrelated Keychain credentials.
Fix 5: Re-add the Financial Institution
After disconnecting the affected account and clearing outdated credentials:

1. Open Quicken.
2. Select Accounts → Add Account.
3. Search for the financial institution.
4. Select the correct institution.
5. Enter the current username and password.
6. Complete any authentication required by the bank.
7. Wait for Quicken to display the accounts it discovers.

Then carefully review the results.
Fix 6: Link the Account to the Existing Quicken Account
This is an important step.
Suppose your existing Quicken file contains:
Checking Account
Quicken discovers the same bank account during reconnection.
Do not automatically choose to create another account.
Instead, select:
Link to existing account
and choose the correct existing Quicken account.
Quicken's official Error 103 procedure specifically instructs users to carefully link discovered accounts to the appropriate existing accounts.
This helps prevent duplicate accounts and confusing transaction histories.
Fix 7: Check Whether You Triggered a Temporary Security Block
Repeatedly entering incorrect credentials can sometimes trigger additional connection restrictions.
A recent Quicken Community case involving FDP-103/CC-503 reported that repeated unsuccessful attempts could result in CC-929, temporarily preventing another account-add attempt for one hour. Quicken's moderator instructed the user to wait one hour before trying the connection again.
So if you've already attempted the connection many times:
Stop repeated login attempts → wait if Quicken reports a temporary block → then retry.
Fix 8: Check Quicken's Current Known Issues
If:

• Your bank website login works,
• Your credentials are correct,
• You selected the correct financial institution,
• You cleared outdated credentials,
• You reconnected the account,

but FDP-103 continues, check whether Quicken has an active institution-specific alert.
This matters because recent cases have shown that FDP-103 can sometimes be caused by an institution-specific connection problem rather than an actual incorrect password. For example, Quicken moderators have identified escalated FDP-103/CC-503 connection problems for particular institutions.
Quicken FDP-103 on Mac vs Windows
The Keychain troubleshooting step is especially relevant to Quicken for Mac, because Quicken's official Error 103 article specifically identifies outdated credentials stored in Keychain as a possible cause.
FDP-103 vs CC-503
These two should be treated as closely related search intents.
Recent Quicken support cases explicitly pair FDP-103 with CC-503, so an article targeting FDP-103 should naturally cover the CC-503 relationship without treating them as completely unrelated errors.
Common Mistakes to Avoid
1. Repeatedly entering the same password
If the bank is rejecting the credential, repeatedly submitting it can make troubleshooting harder and may trigger temporary restrictions.
2. Creating a second Quicken account
If the account already exists, use Link to existing account.
3. Deleting the Quicken account
A connection problem does not automatically mean the local account should be deleted.
4. Ignoring the Mac Keychain
For Quicken for Mac, outdated Keychain credentials can be part of the problem.
5. Assuming the bank website login proves Quicken must work
The website and third-party aggregation connection can behave differently. Recent Quicken Community reports document cases where users could log into the institution's website but still received FDP-103 in Quicken.
Frequently Asked Questions
What is FDP-103 in Quicken?
FDP-103 is an invalid-credentials authentication error that occurs when Quicken cannot validate the credentials used to connect to a financial institution.
Is Quicken FDP-103 the same as CC-503?
They are closely related. Quicken Community support cases explicitly identify FDP-103/CC-503 as an invalid-login-credentials condition.
Why does Quicken say my password is wrong when it works on my bank website?
The problem may involve outdated credentials stored in Quicken or the Mac Keychain, the wrong financial institution listing, third-party authorization, or an institution-specific connection issue. Recent Quicken cases demonstrate that FDP-103 can occur even when users report successful website login.
How do I fix FDP-103 on Quicken for Mac?
Disconnect the affected accounts, remove outdated Quicken/Quicken Connect credentials associated with the institution from Keychain when appropriate, then use Accounts → Add Account to reconnect and link the discovered account to the existing Quicken account.
Should I delete my Quicken account?
No. Don't delete the local account simply because FDP-103 occurs. Disconnect the online service and reconnect it first.
Can changing my bank password fix FDP-103?
It can help when the password stored in Quicken is genuinely outdated, but changing a working bank password unnecessarily is not the first step. Verify the existing credentials at the financial institution first.
What if FDP-103 continues after I enter the correct password?
Check the correct financial institution listing, remove outdated stored credentials, reconnect the account, and check Quicken's current known issues. If the institution has an active connection problem, local troubleshooting may not resolve it until the financial-institution connection is corrected.
Conclusion
The Quicken FDP-103 error primarily indicates that Quicken cannot validate the credentials supplied to a financial institution. The problem may be caused by genuinely incorrect credentials, outdated stored credentials, an incorrect financial-institution selection, third-party authorization requirements, or an institution-specific connection problem.
For Quicken for Mac, checking and removing outdated Quicken/Quicken Connect credentials from Keychain Access is an important part of the official troubleshooting process. After disconnecting the affected account, reconnect it through Accounts → Add Account and use Link to existing account to avoid creating duplicates.