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I'm happy to see you here in the Community, @trottroofing.
Once you connect to Online Banking, QuickBooks automatically downloads the last 90 days of transactions from your financial institution. If you need to get older transactions from your bank, you can upload them manually.
On the other hand, Joist can transmit all the entries spontaneously. They send those invoices every night (4 am EST). You also have the option to select which documents you want to sync by toggling off their settings. (See the screenshot attached for your reference)
To give you more insights about the downloading transactions in QuickBooks Online, please see these links:
You can always get back to me here if there's anything else you need. I'll make sure you're taken care of. Have a fantastic day!
