Those who are used to Quicken, however, have little reason to switch and several reasons to upgrade, particularly if their version is more than a year old. Indirect downloads require that you go to the financial institution's Web site to create a file that you then import into the program. Using automatic downloads is so convenient that if your bank or credit card company doesn't support this feature, you'll probably want to switch to one that does. Wells Fargo Bank, Charles Schwab, American Express, Discover and Union Bank of California, among others, offer direct downloads. Some people are queasy about having their financial data flying around on the Internet.
Glitches do happen, of course.
Still, people who are particularly concerned with privacy may choose not to upload their data onto the Quicken or Money Web sites and instead use the download feature only, so the data stay on their home computers.