Let's fix the bank feed issue together, mjdevitomd.

One reason why bank transactions won't download in QuickBooks Desktop is because of the bank system errors. We need to make sure that they doesn't have any maintenance. You'll want to check your bank's website to see if there are notifications or alert.

Also, we can create a dummy account and merge it to the main one. This process resolves errors in downloading your bank transactions. Please refer to this guide about merging accounts.

We have an option to manually import your transactions via web connect (.qbo) files. You can get it from your bank's website. Please check this article if you'll encounter Web Connect import errors. 

I'll always be here if you need more assistance about bank feeds. Looking forward to assisting you again.