Appreciate the complete details of your concern, @ExMiner.

Let me share some information on how QuickBooks Desktop handles importing of your Wells Fargo bank transactions.

To start with, importing your bank transactions into QuickBooks Desktop using CSV file is not yet available. Excel/CSV file can only be use when importing customers, vendors and item lists. 

Here's how to connect your Wells Fargo account with QuickBooks:

1. Go to Banking.
2. Choose Bank Feeds.
3. Select Set Up Bank Feeds for an Account.
4. Enter your bank's name.
5. On the Link your Accounts screen, select which bank account/s to add to QuickBooks. 
6. Follow the on-screen instructions to complete the process.

On the other hand, follow the steps below to import your bank transactions to QuickBooks if your financial institution supports WebConnect (.QBO) file:

Here's how:

1. Go to the File menu.
2. Choose Utilities.
3. Click Import.
4. Select Web Connect Files.
5. Choose the QBO file, then click Open.
6. When prompted to choose bank account, choose Use an existing QuickBooks account if the account is already set up or Create a new QuickBooks account if it's not yet added.
7. Click Continue.
8. When you see a window telling you that the data has been successfully read, click OK.

For additional insights, you  may check out this article: Download bank feed transactions in QuickBooks Desktop.

Stay in touch with us here in the Community if you have other question about recording your bank transactions in QuickBooks. I'm always here to answer your inquiries.