unfortunately the article you referred me to is of no help.  please explain how the bank can change something which causes QB's to not recognize Wal-Mart when it appears as the first entry on the downloaded transaction.  i have o aff each entry.  QB's isn't even recognizing a vendor I entered immediately before.  something has occurred on QB's end and it needs  to be addressed.  i am a professional bookkeeper  an this is a serious problem and costing my clients much more than it should.