This is not what we want you to experience, @nolanneal.
While the system only downloads up to the last 90 days of transactions, you can manually import data beyond the time limit while using the following supported formats or file types:
- Comma-Separated Values (CSV)
- Quicken (QFX)
- QuickBooks Online (QBO)
- Microsoft Money (OFX)
Also, I'd agree that eliminating some formatting guidelines can make the process easy when importing bank transactions. Rest assured that this concern will be forwarded to our product developers.
In the meantime, you can use this article as a guide when importing bank transactions in QuickBooks Online: Manually upload transactions.
If you have additional questions or concerns, please let me know by leaving a comment below. I am always here to lend a hand. Keep safe.