Online version is simple:

https://quickbooks.intuit.com/learn-support/en-us/bank-transactions/import-bank-transactions-from-cs...

QBO file works but it's nice to edit a csv file especially the description first before importing to QuickBooks. I have the desktop version do I need to change to the online version?

I got to tell you this is very frustrating not being able to importing a bank csv file..