I love online banking. My local bank was charging enormous fees for very little service. I was eager to jump into Capital One Spark, which is an online form of FREE banking. Part of what sold me on Capital One Spark was that it allowed downloading into QuickBooks. I’ve been using QuickBooks for many, many years.

QuickBooks integration was critical to my choice.

When one goes into Capital One Spark and looks at the download option, QuickBooks is clearly an option there.

You can download the QBO file. However, when you then try to download that QBO / QuickBooks file into Quickbooks, you get this error:

WebConnect Branding – QuickBooks is unable to verify the Financial Institution information for this download. Please try again later.

You might think this error indicates that you just have to pay QuickBooks for their support – or to call Capital One Spark to get support from them.


In talking with Capital One Spark, it turns out THEIR ONLINE ACCOUNT DOES NOT SUPPORT QUICKBOOKS even though the option is right there on the screen.

Yes, you heard me right. The on-screen QuickBooks option does not work.

Here’s the issue.

If you had signed up for your Capital One Spark account IN A PHYSICAL BRANCH with a physical person, it would work. But if you sign up for your Capital One Spark account ONLINE without a physical contact, IT WILL NOT WORK. That’s it. It just won’t work.

If you open up the actual QBO file with a text editor, you can see why. The QBO file is missing key data fields. There is no way this QBO file can work in QuickBooks. And Capital One Spark clearly knows this.

But why would they offer a QBO option on their screen if they know it is an invalid file?

It makes no sense at all.

We all need to call in and write in to Capital One to get them to have that file create properly. With the number of QuickBooks users out there, why would they way this is a supported feature and even give you the button to download the file if it doesn’t work?

Leave comments below so we can get this to work!


  1. I came to your blog via the QuickBooks site. Yes, CapitalOne Spark is my card and I spent quite a while the other day trying to load my data into QBO. This is really unacceptable and uber disappointing. Now what?

    1. We all have to pressure them to join up. I imagine it’s a money issue – they have to pay to gain access to QuickBooks. If they see it matters to a lot of their clients, they’ll pay whatever the fee is.

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