So Union Bank was acquired by US Bank, and everything I read said they offered Direct Connect Connections with a monthly fee. The transition happened. Several days of "setting up" and "waiting" and it's ready. Except it didn't work properly. According to the banker I spoke to, US Bank is joining the rest (Chase, BofA, Discover, etc.) and "upgrading" to faster more secure, blah blah. So now I have a newly renewed Premier Quicken subscription but no bill pay. AND no ability to downgrade. Quicken knew this was happening, why didn't they notify the customers that the main reason for paying for the expensive Premier, billpay from the register, was not going to be available? The bank seems to think the mass exodus will encourage Quicken to design a new bill pay. That doesn't help now.