Community Discussion: One Step Update now takes Two Steps

One Step Update now takes Two Steps
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This appears to be yet another case of users jumping to conclusions.
When it is necessary to enter the Password Vault password; once the password has been entered {step 1} and the Enter key pressed (or the Enter button clicked) {step 2}, Quicken begins the One Step Update (which works now as it always has - updating multiple accounts at multiple financial institutions after that last click/step that initiates the download with no further involvement with the user - that is, in ONE STEP (as noted in the discussion: the OSU process is a "One Step" update process; NOT a "One Click" update process ... the word "step" applies to the word "update" and has nothing to do with the number of mouse clicks or key strokes).
However, what the two posters in the above linked discussion do not appear to realize is that the Password Vault password is not necessarily required for every One Step Update. Once you have successfully supplied the Password Vault password vault (for any purpose) during a given session of Quicken, you will not need to enter that Vault password again for some length of time (I forget the exact length of time, but I think it is at least an hour, and quite possibly more).
If you did a One Step Update in the current Quicken session (say 15 minutes ago, for example) and you now initiate a second OSU, you will not be asked for the Vault password; Quicken will present you with the One Step Update Settings (as it always has in this situation) so you can make any necessary adjustments to the OSU before it begins (*).
You can also add and edit passwords in the Password Vault without having to supply the Vault password if you entered the Vault password recently enough in your current Quicken session (you will, however, still be required to enter the Vault password every time you want to Print the Vault). (*
*)
And contrary to the bogus claim in the above discussion, by not having to enter the Password Vault password, you are actually saving keystrokes - no need to key any password characters, and no need to click or press Enter. Seems like it ought to be obvious that is a simpler process than having to provide the Vault password.
[ (*
) Since older versions of Quicken can no longer do One Step Updates, there is no way to test those older versions. But I have the most current Quicken release (R28.24) on one PC, release R16.17 (12 releases earlier than R28.24) installed on another PC: both Quicken releases work as I have described above. There has been no recent change to Quicken as suggested by the original poster in the above linked discussion.]
[ (**) Regarding those versions of Quicken that are too old to do One Step Updates: I have tested in Q2017 R20.5, and I am able to open the Password Vault there without entering the Vault password, when I have previously entered the Vault password during the same Quicken session. So that part of the process works the same as the most current Quicken (Q2020 R28.24).]
Reply to
John Pollard

"Since older versions of Quicken can no longer do One Step Updates, there is no way to test those older versions. But I have the most current Quicken release (R28.24) on one PC, and release R26.17 (12 releases earlier than R28.24) installed on another PC: both Quicken releases work as I have described above. There has been no recent change to Quicken as suggested by the original poster in the above linked discussion.]"
Reply to
John Pollard
The original poster in the above linked disussion has returned with some additional information, which changes things considerably. Here is that additional information.
"I have multiple bank and brokerage accounts in Quicken, but only two accounts checked on in my One Step Update. When I do the One Step Update, Quicken is finding that for the accounts I am NOT updating that it does not have the password stored for some of them. That is correct, in that I don't want Quicken to store those passwords. I also do not have them checked on for an update."
I can confirm that Quicken (R28.24) now does present the OSU Settings dialog - even for the first OSU in a Quicken session - when the Password Vault does not have a password for an account that is enabled for One Step Update, even when the account is not selected for updating. Earlier versions of Quicken (R26.17, for example) did not do that.
I think it's likely that this change is unintended.
Until such time as Quicken either changes how it handles this situation, or states that the change is intentional; users can either keep a password in the Vault for every OSU enabled account (it need not be the correct password for accounts that are not checked to be updated in OSU, just a password that meets the financial institution's requirements), or live with the extra mouse click required to get the OSU started.
Reply to
John Pollard

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