I believe this message is a harmless message (no affect on your data or ability to utilize Quicken) stemming from Intuit's switching of payment processors for Quicken Billpay; the switch affected the "profile" that Quicken uses to determine financial institution online banking capabilities. There is a post in the Quicken forums from an Intuit employee, with a link to the instructions for eliminating the message ... unfortunately the link no longer works. I will take a guess at what it said to do.
1.) Online Center
2.) CTRL+F3+Contact Info
3.) Select the profile that corresponds to the fi in your error message ("z", "z-Old QBP", or possibly "01001")
4.) Click "Delete"
Intuit says you can not screw up your online banking by doing this because you can not delete the profile if it is in use by an account. But you still might want to backup first (though it is not clear that the profile being deleted is actually stored in your Quicken data).
I pressed CTRL+F3 while clicking on 'Contact info' in the online center. All of the profiles look legit, none of them contain any reference to 'z' '01001' etc. Two of them do indicate that 'branding' and 'profile' need updating - Quicken Bill Pay - CF and Fidelity. I tried the 'refresh' button on each but didn't delete them. 'refresh' didn't change the behavior on a subsequent file update. Not sure if I should delete a legit looking profile.
If it were me, I would delete the Quicken Bill Pay profile (it appears to be the profile for CheckFree which is no longer the Quicken BillPay provider); Quicken will not let you delete it if it is in use (I tried to delete one for one of my online fi's and could not). And, as you said, you don't use Quicken Bill Pay. I also believe that all the profiles can be updated; I think they are contained in the file used for the Participating Financial Institutions list. I think your problem arises because Quicken thinks you are using a profile that you are not using, and the only way to tell Quicken you're not using it, is to delete it.
By the way, I happened to have an old (May of 2003) Participating Financial Institutions List lying around. I looked up the record for Quicken BillPay there and the "id" for that record was "01001" - same as your error message. I looked in my current Participating Financial Institutions List and the "id" for Quicken BillPay is "10756".
Thanks a lot, I appreciate all your diligent help. I will look at my old (now hidden) data from earlier financial institutions to see if possibly one of them indicates I am using Bill Pay. I am not sure but I think I used to use Bill Pay some years ago with some accounts that are now closed.
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