Commercial MIDI Files are generally saved as a merged (single track) Format 0 file, where all MIDI channels are merged into a single track. To edit the MIDI File, it is preferable to split each individual MIDI channel to its own track.
Format 0 (merged) is the preferred format in keyboard style work stations and older MIDI File players as the data is read faster. Format 1 (split tracks) is generally the preferred type when editing a MIDI File in a program or app.
Most commercial sequencing programs like Logic, Sonar, Cubase and so on will automatically split the single merged track into individual MIDI tracks assigned to their specific MIDI channel. These programs can split tracks manually by using the 'demix' or 'split channel' functions. This method can also be reversed where a split Format 1 MIDI File can be merged into a single track (Format 0).
In instances where your program cannot split or merge a MIDI FILE, you can download the following programs that will perform this function.
For PC: http://www.hittraxmidi.com/support/apps/midiformatconvert.zip
For MAC: http://www.hittraxmidi.com/support/apps/formatconvert_mac.zip