Can't get the bank transactions from my account.

I keep getting "<MESSAGE>The user cannot signon because he or she entered an invalid user ID or password."

This is my OFX:

OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE

<OFX>
<SIGNONMSGSRQV1>
<SONRQ>
<DTCLIENT>20140919145100
<USERID>username
<USERPASS>password
<LANGUAGE>ENG
<FI>
<ORG>Hibernia
<FID>1001
</FI>
<APPID>QWIN
<APPVER>0900
</SONRQ>
</SIGNONMSGSRQV1>
<BANKMSGSRQV1><STMTTRNRQ><TRNUID>dd9a8319-e0ba-41ed-8d92-4061f75b0fb2<STMTRQ><BANKACCTFROM><BANKID>065002030<ACCTID>1234567891<ACCTTYPE>CHECKING</BANKACCTFROM><INCTRAN><INCLUDE>Y</INCTRAN></STMTRQ></STMTTRNRQ></BANKMSGSRQV1></OFX>

I have Direct Connect enabled through my bank account by going to Self Service -> Register Device (or computer?) and then registering 1 computer for PFM software.

I also had this issue with AceMoney.  Anyone else having this problem or a resolution?

Thanks,

Justin