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Thank you for taking the time, @mccleancarpentry.
Bank transactions not syncing to QuickBooks Online (QBO) can be resolved by manually updating your bank account.
You can also check this article for additional reference about fixing banking error in QBO: What to do if bank transactions won’t download or there's a bank error.
Get back to me if you have any other questions. I'm always here to help. Have a good day!