Hi there, @cici235. I appreciate your input from every angle. 

The answer that you've found is correct. At this time, there's no way to turn off the autofill of checkboxes in Bank Mode (Express mode). I can see how the feature you're looking for is beneficial to your business. 

Our developers periodically update and release new features for QuickBooks Desktop (QBDT). They might change how this works in the future. To be updated with our latest news and updates, including product improvements, I encourage you to visit the What's New section on your QBDT account or open this link to view our product update blogs.

I'm also adding this article on how to add and match Bank Feed transactions in QuickBooks Desktop.

If you have other concerns, please post in the Community again. Wishing you and your business continued success!