The bank does not provide support for QB on-line to download transactions. I must download manually using a download file. How does that work in QB On-line?

Glad to have you here in the Community, sam-card56.

I'd be happy to share with you the steps on how to import your bank transactions manually in QuickBooks Online.

You can manually bring the transaction into QuickBooks Online using a WebConnect file. You can download the last 90 days of transactions using this feature.

Download transactions from your bank's website:

1. Sign in to your bank's website.
2. Follow your bank's online process to download your transactions to your computer.
3. Depending on your bank's available features, choose transactions from specific or multiple accounts, or select a date range for transactions.
   If you're adding historical transactions for a connected account, make sure you specify a date range earlier than the last 90 days. If you overlap date ranges, you may end up with duplicate transactions, which you must then delete or exclude. Because QuickBooks Online only supports files sizes up to 350 KB (kilobytes), if you're downloading a lot of transactions, you may need to download smaller date ranges.
4. Choose a supported file type for the download file. If you attempt to upload a file in an unsupported format, you will receive an error message.
5. Note the name of the file you downloaded, and the location you downloaded it to so you can easily find it to upload. 

Here's an article with detailed information about the WebConnect feature: Upload more than 90 days of bank transactions in QuickBooks Online.

Feel free to reach again if you have any other questions about importing transactions. I’d be more than willing to lend you a hand. Have a nice day.

Thank you for your response.  I will give it a try.

Sam Card

Hi, sam-card56.

You're welcome. I've got your back if you ever need help in the future. Take care. Don't work too hard.