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.
At any time you choose, you may disable this feature and reconcile
as you would with any other Quicken account. To do so, select the option to
reconcile your account (steps 1-2). In the Reconcile Online Account window,
clear the Auto Reconcile check box.