I have multiple checking and savings accounts at one bank and a checking at another. I also have amex and chase credit cards both business and personal (four total accounts between my wife and I). Every time i login to Quicken it takes me over thirty minutes to reconcile the numbers being off. It happens with any transfers or payments. I can pay a credit card from one account but the payment will show up in a different account. I can transfer between checking and savings accounts and then accounts transfers will show up in differenet accounts. No matter what i try Quicken keeps confusing the accounts. It is extremely, extremely frustrating. At this point i might as well just keep track of things on a spreadsheet if i am going to have to do everything manually anyway. Any advice would be appreciated.