@13rent
As far as I know, importing *.qbo files is one of the features of online banking even if you do it manually. If you are using an outdated version of QBD, you will no longer be able to use the feature. You can only import them from CSV/XLS format by using a 3rd party importer tool as I mentioned before. You will prepare data with certain format like this one
Bank Statement
| Bank Account | Transaction Date | Payee | Chk No. | Account | Amount | Memo | Class | Billable | Billable Entity |
| Checking | 01/09/2020 | AT&T | 123 | Utilities:Telephone | -100 | Check Payment | | N | |
| Checking | 02/09/2020 | Jane Doe | 141 | Product Sales | 150 | Deposit | | N | |
Credit Card Stetement
| Credit Card Account | Transaction Date | Payee | RefNumber | Account | Amount | Memo | Class | Billable | Billable Entity |
| QuickBooks Credit Card | 01/10/2020 | Hampton Inn | 1234 | Travel:Lodging | 150 | | | Y | John Doe |
| QuickBooks Credit Card | 12/10/2020 | Staples | 123465 | Office Supplies | -15 | Return | | N | |
