QuickBooks Pro 2013 OLSU-1022 Error Message Solution


I did a fresh install of QuickBooks Pro 2013 on a new machine and noticed I was getting an error message when I was trying to “Set Up Online Services”.

An Error occurred while updating the branding files!

Please restart the Online Banking Setup Wizard to initiate the update process again.

Then I’ll hit the “OK” button only to proceed to this error message:

An unexpected error occured. A critical file that contains the financial institution data is not in the correct format or missing.

Error message number: [OLSU-1022]

Press OK to have QuickBooks download this file for you. After the download, restart the Online Banking Setup Wizard.


The QuickBooks given solution didn’t work for me. Then I remembered I had perfectly working files on other computers, so I just copied the files from the working computers to mine.

Download the four files I’ve shared here:

  • FIBlueprint.xml
  • PopularFIs.ini
  • index.ini
  • fidir.txt

Go to the following folder on your computer and move your downloaded files to that directory:

C:\ProgramData\Intuit\QuickBooks 2013\Components\OLB\branding\filist

Right click the four selected files in the designated folder in STEP 2 and select “Properties”. Then make sure the “Read-Only” option is checked, and you should be good to go!

Many of my banking institutions don’t have QuickBooks files (.QBO) to use Quick Connect with and only offer the Quicken files (.QFX). I’ll cover how to convert QFX files to QBO files in a different post.

High Yield Bank, Savings, and MMA Accounts Under Your Trust’s Name

Being a Trustee of a Trust, I was tasked with opening up bank accounts to manage the Trust. In order to maximize the returns, I decided on opening up multiple high interest bearing Savings Accounts and Money Market Accounts.

When I open the accounts, I don’t want the accounts to be under my name, but under the name of the Trust that also has an assigned EIN. It was quite difficult to find four banks with high interest that were Internet based.

The four banks that were setup to create my new account under the Trust name with me being documented as the Trustee were the following:

Ally Bank will be my primary since they offer the highest returns and will be my primary pass through account since they provide free ACH transfers between all the bank accounts.

For the most part, all the accounts have no maintenance fee and no minimum, so I can utilize them up to their FDIC $250,000 insured value or leave them empty if I don’t need them.

Here’s are my notes that list the banks that I had called into and was able to confirm that they DON’T open up new accounts under a Trust’s name. I definitely would’ve loved the higher returns in the 0.90% accounts, but alas, they didn’t support creating accounts under a Trust’s name.

Barclays – Doesn’t Accept Trusts @ 0.90% APY
Sallie Mae – Doesn’t Accept Trusts @ 0.90% APY
GE Capital Bank – Doesn’t Accept Trusts
American Express – Doesn’t Accept Trusts
FNBO Direct – No Trusts

Incredible Bank .86% – No Trusts

CIT Bank .85% – No Trusts

Colorado Federal Savings Bank .85%

Mutual of Omaha Bank .85%
909.919.7220, Theresa

Able Banking .80%

TIAA Direct .76%

Costco vs. Amazon.com vs. Walmart vs. Target Pricing List


Usually it’s assumed that Costco is ALWAYS cheapest. I’ve found that Amazon.com’s “Subscribe & Save” option with the 20% off is actually CHEAPER than Costco in some cases.

Just as a reference, the Costco pricing is mainly out of the Fullerton Costco located in Fullerton, California.

Here’s a referral link so you can try Amazon Prime for free for 30 days if you aren’t already on it. Not only do you get free 2 day shipping (which often for me is actually one day since one of their distribution centers are so close!), but you also get access to a ton of REALLY good TV shows and movies.

Bank of America Changing Fee Structure for Business Economy Checking to Business Fundamentals Effective November 1, 2013


I just got this notice in the mail.  It used to be you could simply charge $0.01 onto your debit card to get the fee waived, but alas, that’s over beginning November 1.


As of November 1, your Business Economy Checking account will
become a Business Fundamentals® account giving you new ways
to avoid the monthly fee and a savings account with no additional
monthly fee.
We’re making these changes to help you get more out of your small business banking relationship
with us, and give you additional opportunities to avoid the monthly fee.
What’s not changing
Though the name of your account(s) is changing, basic account features and how you use your
account will not change:
• You’ll keep the same account number, debit card and Personal Identification Number (PIN)
• The monthly fee will not change
• You can continue to use your same checks
• If you have Overdraft Protection, your settings will stay the same
• You’ll also continue to have access to Small Business Online Banking, Bill Pay and Mobile and
Text Banking, with no change to your Online ID and Passcode
What’s changing
Monthly fee: You now have additional ways to avoid the $16 monthly fee. Starting November 1,
you will not be charged a monthly fee when you meet one or more of the following:
• Spend $250 or more in net new purchases using any one of your linked Bank of America
business debit, charge, or credit cards; purchases must post to your account to qualify. A single
point-of-sale debit card transaction will no longer allow you to avoid the monthly fee.
• Maintain one of the following balances:
– A$3,000 minimum daily balance in your primary checking account, Or
– A$5,000 average monthly balance in your primary checking account, Or
– A$15,000 combined average monthly balance in your eligible linked business deposit
There will no longer be a combined minimum daily balance qualifier.



Are Solar Panels Worth the Cost?


This is mainly because of the fact that the initial investment you placed in the solar panel installation could had been invested in the stock market.  This is what’s called “opportunity cost.”

You can’t simply look at the break even point of solar panels, but you have to look at the break even point versus investing in the stock market.  Unfortunately, they never meet.

The cost benefit analysis clearly shows that the gap between payback period is HUGE, even if you want to consider in minor other variables.

For example, an initial investment for $20,000.00 in solar panel with a 9 year break even point and 7% average return (post-tax) would result in cash value displayed below.  At the 9 year break even point for the solar panels, your stock investment would be valued at $36,769.18.  The spread between solar panels and your stock values only grows exponentially larger from there.

You can click this link to see the spreadsheet I used to make the calculations here:


Now if you want to argue all the extra “green” benefits items, I guess that’s your prerogative.  From a strictly monetary “return on your investment” perspective, the data greatly favors alternative investment options.