My guess is that the problem is on the institution's end but I thought I would post here to see of others are having this problem. I'm used to getting errors when downloading from time to time and refreshing the branding and profile clears it up. Not this time. In addition to that, I have tried resetting the account and deactivating and reactivating online services. It seems like maybe there just aren't any transactions available for Quicken to download, which isn't likely. There aren't any transactions stuck in the online center so I'm out of ideas, short of calling OneAmerica.