Quicken told me to upgrade from my Direct Connect link with USAA yesterday, and it forced me onto Express Web Connect Plus. Now all my accounts are whacked--Quicken is trying to reconcile to the "Current Balance" (includes pending items) and not the "Online Balance" (just the cleared items). In the process of relinking, it also created false initial entries in a couple of my accounts in Quicken, which throws off their balances.