From my "downloads not working" problem:
https://community.quicken.com/discussion/7928683/quicken-mac-downloads-stopped-working-version-6-11-1#latest I noticed that under Settings: the "Connected Services", "Mobile..", and "Messages & Offers" all show the error: "Quicken could not verify the connection to Quicken Cloud".
I have not used this "quicken cloud". I just use my local file. Is this a problem? Is this why I cannot download data from banks nor can I update my quicken past 6.11.1?