why don't my schwab transactions appear in the cash register?

Have 2 login accts w Schwab.
One of those accts is a single acct; the other multiple.
Neither can correct the proper cash balance; and thus then fails to download any transactions.
I have to update cash balances manually 1st with an adj; then hope transactions come in.
If Not I have to log into schwab, then manually add each transaction.
Then I have to manually reconcile.
This is a long drawn out procedure for 4 total accounts.
Get crackin' and fix this!