Before you can download transactions into an account, you need to activate it for online services. After an account has been activated, it's easy to keep its transactions and balance up to date.
Use One Step Update 
To update a single account
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Select the account on your Account Bar.
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Press Ctrl+Alt+U.
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If requested, enter your password for that account.
Schedule updates
You can schedule updates to connect to your financial institutions and regularly download cleared transactions at a time that you specify.
Check for software updates
Each time you start a One Step Update session, Quicken checks for an update to the Quicken program. If an update is available, Quicken asks if you'd like to download it.
Determine if an account is connected
The best way to determine if (and how) your account is connected is by using the Account List. Choose Tools menu > Account List and look in the Transaction Download column for your account. This tells you whether the account is connected and which connection method it uses. To establish or change your connection method, click Edit next to the account name, then click the Online Services tab.
Permanently exclude an account from One Step Update
To permanently remove an account from One Step Update, deactivate the online account services.
Update an account by downloading and importing a file
This method isn't recommended for online-enabled Quicken accounts. It's time-consuming, and any standard Quicken connection method provides a faster and easier experience. However, it can be useful if you're having connectivity problems or if you want to update an account that isn't online-enabled.
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Log in to your financial institution's website.
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Navigate to the download page and click the Quicken logo or Download to Quicken. The exact location of the download page varies by financial institution; it's frequently in an area of the website labeled Download or History.
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Your browser downloads a Web Connect file containing your account transactions. Web Connect files use the .QFX file extension.
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Return to Quicken and choose File menu > File Import > Web Connect File.
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Navigate to and select the Web Connect file you downloaded.
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Click OK.
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Give the account a name. If you already have an account in Quicken for these transactions, choose Link and select the account name in the dialog that follows.
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After Quicken finishes importing the file, open the account. Quicken either adds the transactions to your register automatically or lets you review and accept them, depending on your download preferences.
About Direct Connect, Express Web Connect, and Web Connect
The connection method available to you depends on your financial institution and account type.
Express Web Connect (Free)
Express Web Connect provides an integrated way to update transactions and account balances for financial institutions that don't connect directly to Quicken. With Express Web Connect, you can use One Step Update to update multiple accounts without going to your financial institution's website to retrieve transactions.
Direct Connect (Fees may apply)
Direct Connect is a service some banks use to connect to Quicken. You have Direct Connect if you specifically signed up for it or your bank sent you a special user ID and password to use with Quicken. Some financial institutions require Direct Connect for services such as bill pay or transfers.
Web Connect (Free)
Many financial institutions that offer web banking also let you download transactions into Quicken. If you have a password and the website displays the Quicken logo or a Download to Quicken button or link, your financial institution supports the Web Connect protocol.
For more information, see Tell me about the connection methods used by online services.