Online Banking is not disabled in Trial Mode, but you need to have created a bank account and have its register open when setting up online banking, the software will not allow you to configure a connection when you have the summary window displayed.
There are two methods to automatically download transactions available today.
One of these is Direct Connect which is freely available to all vendors and financial institutions to use. It is generally implemented on a separate computer system and often requires different username/password credentials having a common username/password system requires yet more software and maintenance and many organisations do not take this extra step.
The other is Web Connect which uses your bank's Internet banking site and hence your existing Internet banking credentials. This system however is proprietary to Quicken and is something they charge the financial institution for.
It is quite possible you have been using Web Connect with Quicken
I called U.S. Bank and got a person who knows Moneydance. She says they
have to setup a "PFM Connection", which will take 3 days (!) and a charge
of $3.95 a month, which is worth it to me if I can get away from Quicken.
Thanks to all who responded. I haven't really used the product yet but I
can already tell it has great support!