Improve matching of downloaded transactions

My fi accepts online billpay instructions from Quicken. When I send the payment instruction, the "check number" is assigned to the Quicken register transaction ... so when the payment clears and downloads, the downloaded transaction matches.

So one answer would be to find an fi that accepts billpay instructions from Quicken.

Or you can manually match the two transactions.

Or you can wait to enter the Quicken transaction, until the cleared transaction downloads, so you can enter it with the check number that's in the downloaded transaction ... then Quicken should change the Status of the downloaded transaction to Match.

a.) If you manually match the downloaded transaction, Quicken should create a split register transaction, with a split line to adjust the register transaction amount to match the downloaded amount. b.) Or: Modify the register transaction to the correct amount before accepting the downloaded transaction. c.) Or: Don't have the paycheck transaction auto-entered; have it remind you to enter it. When the downloaded transaction appears with the correct amount, Enter the scheduled transaction, modifying its amount to be the same as the downloaded amount. Then the downloaded transaction status should change to Match.

Or (if you only record net pay in Quicken):

d.) Don't enter any paycheck transaction in Quicken. Memorize the paycheck transaction (with no amount), and let the downloaded transaction pick up category/memo info from the memorized transaction when you Accept it.