Hi there userkaren-bingham,
It's vital that all your transactions be entered in your books so that your books can be well balanced. QuickBooks Online is a great tool able to import transactions in order to save you time with transaction entry. I can point you in the right direction for assistance with bank connections.
For assistance with bank connections not allowing you through due to the check to see if you're actually a human, I recommend reaching out to the QuickBooks Online support team. They will be able to view the error message with you in a secure setting to be able to do specific troubleshooting with you relating to the error you're seeing as well as notify our engineering team if necessary. You can reach them using these methods:
Schedule a Callback or start a Chat: click (?)Help in the upper right > type and enter "Contact support" into the QB Assistant > click Contact Us > explain your situation > click Let's Talk > choose Get a callback or Start a Chat.
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If you have any other questions, feel free to reach out here.