I've tried the solution opening the file in notepad and also setting up a new company file to do a test. Both did not work. The issue is with my Target Card which uses TD Bank USA N.A. QuickBooks still returns the error "QuickBooks is unable to verify the Financial Institution information for this download. Please try again later." I have QuickBooks Desktop Pro 2018 R14P on a Dell and have been using QuickBooks for years because of the bank download feature and have never had this issue with any bank accounts on a Mac or PC. Frustrating as hell.