Hi @mike_coastalremodels,
Thank you for posting here in the Community. I can help you send a request to make improvements to QuickBooks Online's capability.
I know it would be beneficial to have the ability to include products and services in Banking. It'll help users save time by not going through each expense manually.
Since this feature is unavailable, I suggest sending feedback directly to our product engineers. They might consider adding the option you need in future updates.
Here's how:
I've also attached an article you can use to resolve bank errors, as well as how to update your bank info in QuickBooks: What to do if you get a bank error or can't download transactions in QuickBooks Online.
Keep us posted if you need anything else regarding the Banking features in QBO. Have a great day.