I gave up trying to use automatic downloads with Chase in banking and credit cards. I download the monthly credit card statements from chase in a CSV file and then upload to Quickbooks.  I was having issues for years with duplicate transactions across my many employee accounts and huge frustrations when trying to reconcile. Now, I cannot tell in Quickbooks which employee made what charge anymore, but it was never accurate anyway. Uploading manually has saved me a huge amount of time and frustration as the statements are always 100 percent accurate!