The user must change his or her USERPASS number as part of the next OFX request. The user must change his or her USERPASS number as part of the next OFX request. This is what I get when I try to do PFM direct connect to mac 2012 QB. US bank told me it's a quickbooks problem...what do i do? It's a 15000 info message from the bank requiring the user to change their password using OFX. if the account has already been setup, then they can go to the DLT window and click on the change password icon to change their password.  After changing their password, they should be able to continue downloading.