In its questionable wisdom, Intuit shipped a security certificate with many versions of Quicken that expired in late September. If you don't update this certificate to a valid one, banks will now refuse your download requests. They have made several updates available in order to fix this problem, but the updates may or may not actually work. (One of these updates is specifically for people for whom another update didn't work, which is pretty lame engineering and customer relations.) To top it off, a new line is appearing at the head of many users' "Ons Stop" result logs saying that there is a new Quicken update available for you to load -- but when you follow the given link, you are taken to an update that actually UNDOES the update with the security certificate fix in it.
In short, you need to physically replace that security certificate in any way possible before banks will start talking to you again. And you may even have to cancel and re-establish online downloading for that account (or all your accounts) within Quicken before the new certificate will finally take hold.
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