Hi, sorry for the delayed response.  I’m still not sure why I would need to download “transactions” from the bank. 

Here’s how business works where I’m from…simplified.

You sell something on credit to a customer

You debit AR, credit merchandise

The customer mails a check to your business.  You open the envelope and apply the payment to their account.

You debit cash, credit AR.

You do this for all checks that were mailed in to you that day.

You then take the checks to the bank and make a deposit.

At the end of the month you download the bank statement and reconcile all deposits or payments made.

No transactions originated at the bank that I would have to download prior to doing a bank reconciliation

So I don’t understand what transactions originate at the “bank” before they come to my business?

Please explain.  Thanks.