Did you get this resolved?
I, too, would like my personal bank account transactions downloaded into QuickBooks desktop. Per one of the replies on this thread, I went to Bank of America and went to Account Management. While the first three months will be free, after that the cost will be $15 per month (to be able to have transactions download to QuickBooks). Is this what you found, too?
Do you know if every bank charges to communicate with QuickBooks?
Jeannie