Two MasterCards but won't download to each account
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The op was asked what "onnection method" is being used to download. That was asked two years ago, and the op has still not answered that question: it's an important question. ["Update by opening the account through the Bank's website" does not answer that important question - it leaves too much room for readers to have to interpret the meaning ... so much so, that it seems none have tried.]
Many posts in the discussion have referred to "account number"; but none have asked specifically about the account number being downloaded - all posts seem to assume that the correct account number (a different account number) is being downloaded for each account. The only thing that matters is whether the correct account number is being downloaded for each account. If there are two accounts with two different account numbers in the real-world, but both accounts are downloaded with the same account number, the result will be the problem reported by the op.
It should be fairly simple to determine what account numbers are being downloaded (*); by creating not one, but two New test files. In one test file, setup only one party's account and download to it. In the other test file, setup the other party's account and download to it. Looking at the General tab of the Edit Account Details dialog for the account, in each file, will make it easy to see what account number is being downloaded. If the two account numbers are the same; this is NOT a Quicken problem.
If the two account numbers are the same, it's likely that the data is being captured by what's known as "screen scraping"; and if that is how the data is being captured, then the "connection method" is "Express Web Connect", and the responsible party is Intuit. If the downloaded account numbers are the same and Intuit is not responsible; then the financial institution is responsible.
If the two downloaded account numbers are the same: when the Connection Method is Express Web Connect, the op will have to contact Quicken support; otherwise the op will have to contact the financial institution.
[NOTE: if the correct account number for each account was downloaded originally (when the accounts were first setup in Quicken), but now the same account number is being downloaded for each account - looking at the current account numbers in Quicken will not help.] [ (*) The Quicken OFX Log can also be checked to determine what account numbers are being downloaded, but that is not always easy for all users. But downloading one real-world account to its own new Quicken file; and downloading the other real-world account to a second new Quicken file should make it MUCH simpler (even if possibly a bit more work) to accurately determine the current downloaded account number, for most users.] [Last Community post: 05-11-2021 @ 12:46 pm]