I too have spent hours. I've gone round and round with this. Every which way we go about it, I hit a blockade. Bottom line, I need to deactivate and reactivate bank services for an account because there's something wrong with the current connection. I am unable to deactivate without an error of some kind. I too have spent hours on the phone with QuickBooks. Peruzing into it forum. It's pretty clear that this is a an issue for many more people than I would have thought. My tech hadn't run into it before though.  I Even sent them my file so they could go through it with a fine tooth comb and make any repairs etc. They sent it back to me and I still have the issues. We try to additional troubleshooting as well. This makes QuickBooks pretty much useless to me in the number of hours I've spent on this already is insane. Basically it thinks it's connected but it's really not. The bank says there's nothing wrong on their end.