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The error code 163 indicates that your financial institution's data has changed a website and needs an update, Mark.
This usually occurs when:
To verify, contact your bank institution and ask them if they've switched to a different internet service provider or if there's a scheduled maintenance.
If they've switched to a different internet service or you've used an incorrect login link, we can re-enter your sign-in information for your bank account.
Alternatively, we can update your Bank Transaction page using other supported browser
to optimize QuickBooks Online (QBO) performance.
If the issue persists, please contact our QuickBooks Online phone support team. They have the necessary tools and expertise to investigate the cause of this issue.
In the meantime, I recommend manually uploading your bank transactions into QuickBooks Online (QBO) to import transactions via CSV file.
I've added this article to learn how to review and categorize downloaded transactions in QBO to avoid duplicate entries:
Please let us know in this thread if you need help connecting to your bank.