It's been at least 5 month and you still don't have a date. The download does update the current balance and once a month downloads all the statements transactions which can lead to a real mess if you are trying to balance account and manually add the missing transactions. I have found that if you only clear without reconciling the months download and reconciliation doesn't cause as much of an issue. Just need to make sure you only balance against items in the statement and delete the adjustment amount. Still not very acurate!!
The Discover savings works fine.
