I appreciate you coming back to the thread to add further details and clarification about matching transactions in QuickBooks Online, @titanuplawncaret. With this, I'll share information.

The transaction in QuickBooks Online (QBO) needs to match or sync with the transaction in your bank because it ensures accuracy and consistency in your financial records. If the transaction in QBO does not match the transaction in your bank, it could lead to discrepancies in your balances, inaccurate financial statements, and potential errors in tax filings. 

Moreover, reconciling your transactions can help you identify discrepancies or errors and correct them before they become larger problems. Additionally, matching your QBO transactions with your bank transactions can also improve your ability to track cash flow and make well-informed financial decisions for your business.

Additionally, once your transactions have been downloaded, you have to match and categorize them, and then reconcile your account so it always matches your monthly statements.

The Community is always available 24/7. Contact me if you need extra help with banking or QuickBooks in general. Your efforts are much appreciated. Stay safe, @titanuplawncaret!