I know how to do this, as I have for a year or so = I have standalone QBks 2019 Mac - download trans. each month or more often.  For example, just downloaded trans. from 3/22 - 5 were supposed to come in, 5 show up in the bank online listing of items which could be downloaded == but only 4 come in and 1 does not == this happens each month without any pattern.  I have asked my banker and they have talked to IT and their folks and said to check with Qbks so I am...or trying to.