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Thanks for posting to the Community, @houckm78.
With QuickBooks Online, it's best to connect your bank accounts using a web browser through laptops or computers. It is to ensure that you have selected the right financial institution (FI).
Let me give you the steps on how to connect your bank account:
There you can connect your banking to QuickBooks Online seamlessly.
You can refer to this video article for more details on how download and categorize you transactions:Connect bank and credit card accounts to QuickBooks Online.
I'll add this article on how to categorize, update and add downloaded banking items to your Register: Assign, categorize, edit, and add your downloaded banking transactions.
Please feel free to leave a message to this post or tag me (@Jovychris_A) if you need further assistance. I'll be happy to help. Have a good one!