Transactions are downloading as reconciled
You may have Microsoft Money set to automatically reconcile downloaded transactions in the account register. If you don't want transactions to download as reconciled, do the following:
 Disable automatic reconciling
 Turn off automated balancing


If you followed the procedures above and transactions are still downloading as reconciled, you may need to edit the Money registry settings. For more information, see the following Microsoft Help & Support article: Downloaded transactions are automatically marked as reconciled in Money.