I'm running a Mac version of Quicken 2017, version 4.8.6. For years I have reconciled to my bank statement not an online balance. In fact, I have never downloaded my account information. But this month when I tried to reconcile, the screen opens with a heading at the top which says, "Reconcile to the online balance". I can't find an option for switching back and forth between these two options. Why all of the sudden do I get this option selected? I read in someone elses post that to switch between these options, go to "Accounts List > Reconcile Using Online Balance" and uncheck it. None of my menu options have an Accounts List heading.