There are so many possible configurations of computers, internet, and modems that it's difficult to pinpoint the issue for a particular user. As posted above, try updating Windows. Some financial institutions require that you allow third-part access before they will download. Check your financial account to see if this applies in your situation.
Some require that you use a Document ID (from your 1099 form PDF) to Sign In, instead of the normal Sign In.
Try disabling all anti-virus programs (including modems) temporarily.
Here's a link to Sign Up for Updates on the Captcha issue.
@mcleoli
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