What you've described sounds like Direct Connect with your FI. This thread is specifically about BofA and an announcement by Quicken at the end of last month that BofA will perhaps be the latest large FI to deprecate support for Direct Connect, in lieu of Express Web Connect+ (EWC+). EWC+ doesn't support the transmittal of remittance instructions to the bank. It's purely transaction download.
It looks like there's a discussion about it in the Quicken Community:
As of last week, BofA Customer Support says that no new customers can set up DC, but that existing customers who already have DC can continue to use it. BofA was rather sparse with details about if/when support would be terminated, so I won't know for sure until next month. Even if it persists for a while longer, it's likely to go away at some point.
So, if you're doing the steps you described and BofA is your FI, there's a possibility that you won't be able to do it any more, starting Oct 10.
John has listed some alternatives that could help with the task of paying your bills, including Quicken Bill Manager (may or may not have incremental cost, depending on your subscription level and number/type of payments) and BofA eBill functionality. In my case, only a few of my payees appear to offer eBill, so I need to look at Q Bill Manager &/or vendor auto-draft.
You can either use the bank's website to enter payments with any of various means of capturing that bill in your Q file, use Quicken's Bill Manager, put your bills on auto-draft, use the bank's eBill feature for what is supported, of some combination of those.
John is saying they've made a business decision to deprecate Direct Connect support (along with a bunch of other FIs) and that it's likely the best decision for BofA. And I agree that it's probably best for BofA. I'm just grumpy that someone's moving my cheese.