Let me help you with the downloaded bank transactions, Entrepreneur17.
If the downloaded transactions are not yet recorded in your register, the it will not affect your bank balance. Let's make sure we choose the correct account when downloading the transactions.
Then, go back in the Reviewed tab and click the Undo link to put back the transactions in the For Review tab.
Then, manually add or match the downloaded transactions again. This way, they'll be added to your bank register to have correct bank balance.
Just check out this article for the steps and details: Match and categorize bank transactions in QuickBooks Online. Then, go to Step 2: Review your downloaded bank transactions section.
You can also manually add the bank transactions directly in your register. You can follow the steps in the Step 2: Add a transaction to a register section in this article: Add transactions to account registers in QuickBooks Online.
I have a link here where you can find articles about managing your bank feeds: https://quickbooks.intuit.com/learn-support/en-us/banking/07?product=QuickBooks%20Online.
Fill me in if you need a hand with reconciling your accounts or any QBO related. I'll be here to help. Have a wonderful day ahead.