Before connecting to the bank, I will manually upload more than 90 days of bank transactions using a qfx file from BofA (i.e. back to 1/1/17 from today). After the upload is QBO smart enough to know that I already have transactions there from the qfx upload and will not duplicate once I connect the bank for future update refreshes into QBO? Or, will it definately duplicate the 90 days and I'll have to figure out how to exclude them somehow? It was my understanding that if the file was qfx for a manual upload then QBO, once connected for pulling in bank transactions, would treat them as already in QBO and not dupicate those dates? Is that an accurate understanding?