The key problem in the old model is that it used balances that you manually entered and didn’t cross check that these values matched the balances in Quicken. This is done by calculating the starting balance from your Quicken data. The key advantage of the new model is that it now makes sure that both Quicken transactions and balances are reconciled against the bank. The new design follows the exact same model that has been used in both Quicken 2007 and Quicken Windows for years. In Quicken for Mac 2016 v3.5 we made a big improvement to the reconcile feature that fundamentally changed the way the feature worked so that it was able to ensure balances and transactions were accurate.
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