When I download new transactions not all are downloading

I have to go to the bank to physically look at the account to make sure the transaction actually cleared sometimes up to 2 weeks ago. I have noticed this happening every time I download. My bank is Idaho Central Credit Union. I have tried the answer to a previous question similar to mine but I have everything checked/unchecked as suggested and have checked hidden accounts to make sure the transactions didn't go there. I have been using Quicken for years, possibly 22, and have never had an issue like this. I am getting very frustrated.
When I reconcile, I almost always get a dollar balance vs. zero balance to the reconciliation also. I have never had this issue either, except when it was my mistake on an overlooked transaction or double entered it. This happens almost every time I reconcile. I was a bookkeeper for 13 years before retiring and would not have been able to keep my job if I kept getting a balance off on the reconciliation.