I disagree with some of the above solutions. My subscription expired July of 2024. The gear to perform a reconcile and other actions on any of my accounts was hidden by a renewal message. None of these account were set up for online reconciliation. Without reconcile Quicken is pretty much useless for me. I called the help desk and was told the the only way to get reconcile back was to renew my subscription. I wish I new this before I decided to update from 2017 since I only have 1 account that uses the online feature. I have 20 other accounts that are manually maintained. I was reluctant to renew this year because I've run in some bugs that I reported about 3 to 4 months ago that haven't been corrected. If there is another way to enable the the reconcile feature please let me know. here is an image of what is no longer available.