Why can't i connect to my bank to download transactions?

Initial setup, I verified the password manually, waited a couple days, still not working. One step update gives an error that it cannot verify the financial institution information. It does go so far to find my 4 accounts at Commerce Bank, but all have $0 balance and cannot get transactions.  Would love to start using this software.

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According to their two entries in the fidir.txt for Quicken 2010:
04001 04001 04001 Commerce Bank - MO, KS, IL http://www.commercebank.com (800) 986-BANK http://www.commercebank.com/persbanking/olb/pcBanking/HowToSignUp.html ACTIVE BANKING,PAYMENT,CREDIT,ACCOUNTINFO&DIRECT NOT_QBP NA
00430 00430 00430 Commerce Bank - MO, KS, IL Web http://www.commercebank.com/ (800) 986-BANK http://www.commercebank.com/ ACTIVE BANKING,CREDIT&WEB-CONNECT BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT NOT_QBP NA

You could get data from them via all three connection types, Direct Connect, Express Web Connect and Web Connect
See this article which describes the three methods:

Direct Connect is the best, but some financial institutions charge a monthly fee for it, so you might want to check on that and a lot of times, the FI has to turn it on.

I would try a Web Connect download from the FI's website to "prime the pump" so to speak.  That will provide Quicken with all of the correct information about the FI.  Then, you could try to activate Once Step Update from the Online Services tabs of the Edit Account Details screen.

Just so that you aren't surpprised by it, Quicken 2010 will be sunsetted in April, 2013 and no longer be able to do downloads from the FI of any fashion.  See this article for the details, it currently references last year and 2009, but it will soon change to 2010.
[added]  Discontinuation Policy
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