I have two credit card accounts with Citi, one is Mastercard and the other is Visa. Both use the same log in credentials and are set up in Quicken as two separate accounts. One uses Direct Connect which works fine and the other uses Express Web Connect which does not work fine. I have to keep resetting the account in order to get transaction downloads. Also the Express Web connection is very slow. It is so slow that sometimes when am downloading account updates for all my accounts using the Update Now button, that Express Web Connect account seems to time out and does not download any transactions. I either have to reset the account or post the transactions manually, which can be time-consuming.