With accounts that you've activated for transaction download and that you reconcile to an online balance, Quicken can save you steps.
If your Quicken balance matches your online balance, Quicken can automatically reconcile your transactions. It does this by placing an R in the Clr column of the register after your downloaded transactions are accepted in the Compare to Register window.
If the balances don't match, Quicken displays the Reconcile window to help you find the problem.
- Go to Tools → Account list.
- Select Edit to the right of the account you want to change.
- Select Online Services.
- Select Reconcile using online balance.
To disable this feature and reconcile as you would with any other Quicken account, follow the process above but deselect the Reconcile using online balance check box.