If your bank recently required you to reauthorize your checking account and/or your bank has changed from "Direct Connect" to either "Express Web Connect" or "Express Web Connect+" you can no longer use Online Bill Pay direct to the bank or Quicken Bill Manager's Quick Pay function. The banks no longer support this function through Quicken.
Alternatives:
I've been using a variation of method #3 for decades, since before the Internet and dial-up were even invented. It's easy to get used to this process. And I have yet to miss a single payment.