The OFX servers for some banks include a flag that indicates that customers must change their PIN the first time they connect. Some servers enforce this so Moneydance should also. It is a security requirement because these banks usually mail the customer a temporary PIN that needs to be changed the first time they connect to the service. There is an option to bypass this step in case you have already changed your PIN for the connection. The check box that bypasses the change PIN process is in the change PIN panel of the setup-connection window.
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