I'd be glad to share some info and steps to ensure you can access your bank feeds and import your transactions, @LowcountryNutrition.

For your first concern, there are a couple of possible reasons why you're unable to see the "Banking Feeds" option on the Banking menu. These are the following:

• Your QuickBooks Desktop (QBDT) is outdated or unsupported.
• Possible company file issue.

To help fix this, let's ensure to update QBDT to the latest release to have the latest features and need patches. Also, please make sure you're using a supported version of QBDT to prevent unexpected QuickBooks responses.

If you meet the above requirements and still unable to see the said option, you can open a sample file to test if you'll get the same outcome. Here's how:

1. Open your QBDT.
2. On the No Company Open screen, select a sample file from the Open a sample file drop-down.
   
3. Access the Banking menu, and locate the Banking Feeds option as you normally would.

If you see the said option, then the original file might be damaged. In this case, I recommend running the QuickBooks Verify and Rebuild tool. This can help identify and repair data damage. 

Here's how to Verify your data (original company file):

1. Go to the File menu at the top.
2. Select Utilities, and then choose Verify Data.
   

If the Verify data detects an issue, you can Rebuild your file. Let me guide you how:

1. Go back to the File menu.
2. Choose Utilities, and then select Rebuild Data.
3. Click OK, and then follow the on-screen prompts to save a backup.
4. Select OK when you see Rebuild has completed.
5. Once done, go to your Banking menu again and check the said option. 

For more info about the process, please check out this article: Verify and Rebuild data in QBDT.

About your second concern, please check if the file format you downloaded from your bank (Bank of America) is a .qbo file. This is the only type of file QuickBooks can read for Web Connect import. 

If the file format is fine and you're still unable to import your data, please log in to your bank's website and check your notification list. If you see any messages about changes, kindly follow the instructions.

If the same thing happens, please proceed to steps 4 to 5 of this article for the additional fixes: Fix Web Connect import errors.

Once everything's good, you can begin adding and matching your transactions to ensure they go to the right accounts and prevent duplicates. To speed up this process, you can create bank rules in QBDT.

Lastly, you can reconcile your account to ensure the accuracy of your books.

You're always welcome to comment back if you have more questions about managing your banking in QBDT. I'd be happy to help you some more. Take care and enjoy your day.