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Im already using Online Banking with Quicken. How is Direct Connect with Quicken different?

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Im already using Online Banking with Quicken. How is Direct Connect with Quicken different?

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Online Banking is our Internet-based service that allows you, among other things, to download account activity from the service into Quicken. The Direct Connect with Quicken service does not require access to Online Banking, and instead, allows you to set up a connection to the Bank directly from within your Quicken software for importing account information, paying bills, and transferring funds between City National Bank accounts.

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