I am not having issues downloading QBO files. My issue is that in the time it takes to download and upload the QBO files for 40 bank accounts and logging in to the bank online repeatedly because of being timed out. I may as well enter the transactions myself. Not to mention the cost of having to hire employees and the increased cost to my clients because now it takes longer for us to do the bookkeeping. I am so disappointed in QuickBooks and wish there was another option.