activity in me checking account lagging in quicken

Read this article on how the various Quicken download methods work:Connection Types

You can see on the Account List (Tools menu) which you are using.

So there can be a delay. 

My CU does not download anything until the next day since they have an overnight process to makes the information available for download.  It used to be immediate, but they changed to a different software provider and their service has declined.