I can only imagine what you've been through, @KSchadel.

I recognize how beneficial it is for you to have your Bank of America transactions downloaded seamlessly from QuickBooks Desktop.

Before you begin, you have to ensure that you back up your company file, update QuickBooks Desktop to the latest release, and make sure you have a supported version of QuickBooks to have the latest info from your financial institution to update the Financial Institutions list.

Let's now proceed in updating your Financial Institutions Directory in QuickBooks Desktop:

Solution 1: Automatic update

QuickBooks processes the update for you. 

1. Hover your mouse to Banking.
2. Go to Bank Feeds, then Bank Feeds Center.
3. Click Refresh account(s) or choose Sync all for this bank from the dropdown.

Solution 2: Manual update

If you need to update manually, confirm that you update each file location for every QuickBooks version you use.

1. Find the fidir.txt file on your system. Right-click fidir.txt, then select Rename.
2. Change .txt to .old, then click outside the field to save the name change.
3. Then choose your QuickBooks version to get the latest file.
   • 2024
   • 2023
   • 2022
   • 2021
4. Save the file to your desktop.
5. Go to your Desktop, right-click the fidir.txt file, then select Copy.
6. Open the filist folder. Right-click anywhere in the folder, then Paste.
7. Close and open QuickBooks again.

Once done your Financial Institution list is now up to date.

In addition, since you mentioned that Bank of America has the credit card system set up and that the corporate account is used for making payments, but individual credit card transactions are made on separate cards, I recommend coordinating with the bank to learn how Bank of America downloads transactions into QuickBooks.

Additionally, you can refer to these articles to help you speed up the review process of categorizing and matching your bank and credit card statements so you can manage and keep your account balanced In QuickBooks Desktop:

• Add and match Bank Feed transactions in QuickBooks Desktop
•  Reconcile an account in QuickBooks Desktop.

Should you require additional assistance with any of these steps or have other concerns regarding your bank transactions, leave a comment below and I'll get back right away. Stay safe, @KSchadel!