I have searched everywhere for an answer, tired everything in troubleshooting, but still not able to import a qbo file I download from my credit card company into QB desktop (windows) 2019.  I have an account on QB online and can import to that company file with a downloaded qbo file from the same bank, so I know it is not the file from the bank, it only does work in my windows desktop version of QB.  In QB desktop I have verified the credit card account is not active for auto download.  I start the import (file/utilities/import/web connect files...), then choose the qbo file saved on my desktop, but then I never get the window that asks for me to choose which account to import into as I have seen in every step-by-step example on the web.  It only tries to go online to connect and gives me the Error popup that reads "Quickbooks is unable to verify the financial institution information for this download. Click here to view common fixes for this issue."  I have gone through all the fixes as stated earlier.  How to I get it to stop trying to go online to download and ask which account to import into?  And again, NO, the little lightening bolt is not