I'm wondering if perhaps each of your Schwab user id's has read-only/shared access to the accounts held by the other user-id? Such accounts will show up as available to download… in which case you could just authorize all of them under a single ID. But, otherwise, when you go through the authorization checkbox list, just uncheck all but the accounts that should be downloaded for each schwab user-id.
Try this to check things:
Log into each of the two Schwab online accounts… then, for each, click on the round person icon just to the left of 'Log Out' at the top of the Schwab web page and click "Security Settings" from the pop-up menu.
Scroll down to the section "Third-Party Access to Account Information" and click the triangle in front of Quicken to expand it. You should see a list of not only the accounts that belong to that user-id, but any additional accounts from other user-ids that have been shared with this user. Make sure that only the accounts that you want Quicken to download for this Schwab user-id/login are checked.
Sorry if I was not clear, but glad to hear you got it working!!
(I wasn't suggesting at all that you HAD to share anything between the two user ids. Only that if you HAD shared, and had enabled that account for Quicken under both user ids, that could be part of the issue. My wife's 2 and my 4 accounts are under two separate user id's and we have no problem with all of them being linked to the corresponding accounts in Quicken.)
