SEANREILLY To change the category from an existing transaction simply double-click on the transaction, go to the category field and type the first character or two - just like in quicken. You can also single-click the transaction and press 'enter' if double-clicking doesn't do it for you.
Same goes for predictive entry, type the first couple characters of a previous transaction and the rest of the transaction (category, memo, amount, etc) is auto-filled. Yes, the predictive entry does not span accounts, but that is due to customer requests that preferred it that way.
When importing downloaded files, Moneydance will remember the account to which each downloaded file should be imported as long as it is a type of file that has some sort of account ID (such as OFX, QFX, OFC). QIF is probably one of the worst formats to use for downloading financial transactions. I beg you: please use any format other than QIF!
(Version 2008r4)