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I recall I used to have Settings at the bottom of the sidebar, now I do not.

@SCPat You can control the presence of the bottom toolbar by pulling down the "Quicken" menu to Settings, and clicking on the Register tab. On that screen, the "Register Toolbar" dropdown can be set to "Always Show" to keep the toolbar at the bottom of each register:

Alternatively, you can select "Automatically Hide & Show" if you want the bottom toolbar to be hidden except when your cursor is at the bottom of the window, making the bottom toolbar pop up.

The account Settings button is on the far right of the bottom toolbar:

And, if I go to the very top of my Mac, under Quicken, the Settings is only for Quicken settings, not account settings. Then about 4 tabs to the right is Accounts, but Settings is greyed out….I don't see anywhere that has the info that you displayed above.

It's the latter that I mentioned above: Accounts > Settings. You have to have the main Quicken window in the foreground and an account selected in the left sidebar. (That is, if you have the Reports screen or Budgets screen open, the Accounts menu will be grayed out because it doesn't know what account you'd want to access.)

Clicking the account Settings button in the bottom toolbar or the Accounts > Settings menu option do the same thing: opening an Account Settings window like the one I showed above.