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Bank downloads (OFX / QFX)

Import files you download directly from your bank.

Last updated: April 16, 2026

OFX and QFX are the same format under two names — OFX is the open standard; QFX is Quicken’s branded version. Most banks offer one or both. Downloading a file and dragging it into PennyBolt is the fastest way to get recent transactions into your file.

flowchart LR
  A[Log in to your bank] --> B[Find the download page]
  B --> C[Choose OFX or QFX]
  C --> D[Drag file into PennyBolt]
  D --> E[Review the preview]
  E --> F[Commit]

The OFX/QFX import path from bank login to committed transactions.

Download from your bank

Every bank puts the download link in a different spot. The most common locations:

Chase: Log in → choose an account → Download account activity (bottom of the transactions page) → select a date range → Download → choose Quicken (QFX).

Bank of America: Log in → choose an account → Download (top-right of transactions) → select Quicken (OFX) → choose a date range → Download transactions.

Wells Fargo: Log in → choose an account → Download Account Activity (below the balance) → select date range → Download → choose Quicken.

Capital One: Log in → choose an account → Download transactions (above the transaction list) → choose Quicken / Money (OFX) → Export.

If your bank isn’t listed here, look for “Download,” “Export,” or “Quicken” near your transaction history. Most banks that support OFX use one of these labels.

Note: Screenshots for these download flows are coming in a future update. The steps above reflect the current bank interfaces as of early 2026.

Import into PennyBolt

Drag the downloaded .ofx or .qfx file onto the PennyBolt window, or use File → Import. PennyBolt opens an import preview.

The preview shows every transaction in the file with a proposed payee and category. Nothing is saved yet.

Read the preview

Check three things:

  • Account match. PennyBolt tries to match the file to an existing account based on the account number in the file. If it finds a match, it shows the account name. If it doesn’t, it asks you to choose the destination account — or create a new one.
  • Transaction count. Confirm the number of transactions in the preview matches what your bank’s website showed for the same date range.
  • No obvious duplicates. If you’ve already imported some of these transactions, PennyBolt marks them as duplicates in the preview (see Re-importing safely ). Duplicates are skipped automatically; they appear in the preview only so you can see what was detected.

Click Import to commit. The preview closes and the transactions appear in the register.

What can go wrong

The account match is wrong. PennyBolt matched the file to the wrong account, or created a new account when it shouldn’t have. Before committing, use the account selector in the preview header to choose the correct destination.

Transactions are missing. OFX files often cover only 30, 60, or 90 days depending on how your bank generated them. Download a different date range and import again. PennyBolt’s duplicate detection will skip anything it already has.

The file won’t open. A handful of banks produce malformed OFX. If PennyBolt reports an error reading the file, try downloading in a different format — some banks also offer CSV. If OFX is the only option, contact support .

See also