ManneJ... Thank you for your reply and instructions. I note that your instructions refer to QB Desktop for MAC 2019. I have recently updated QBDT for MAC 2024. Are your instructions still valid? The referenced post occurred under 2024.  After I posted my issue I did a hot reboot of my MAC Pro and reloaded QB2024. Downloaded transactions from my bank, and this time they downloaded to the update register and updated without error.
While I've never posted the following problem, I have been unable to create a verifiable account copy to send to my accountant. If I were to follow the instructions you provided for my posted problem, do you think that would rectify my "unverifiable" accountants file?   ... Many thanks for your help.... Don  Knuk5685