Good Afternoon, @DRVC. 

Thanks for reaching back out to the QuickBooks Community. Your bank account has to be connected in order to import the web connect files. Once you have downloaded and saved the files, then you can import the transactions so they'll show in your bank feeds. Here's how: 

1. Go to the Banking menu. 
2. Pick Bank Feeds and then Import Web Connect Files. 
3. Choose the file you saved and then Open. 
4. Use an existing QuickBooks account if the account you're importing transactions into is already set up in QuickBooks. Create a new QuickBooks account if the account you're importing transactions into isn't in QuickBooks yet. Learn how to create an account. 
5. Press Continue. 
6. Click OK. 
7. Navigate to the Bank Feeds Center to review the transactions. 

Here's an article that can provide some additional details: Import web connect files. 

If you're still having issues, then I recommend contacting our Customer Support Team. They have additional tools to help look further into your account. 

If there's anything else I can help you with, just let me know. Have a great day!