Welcome to the thread, @jpepper.

To ensure we're on the same page, have you received an error 103 when trying to connect the Wells Fargo bank account into your QuickBooks Online (QBO) account? 

If yes, we currently have an ongoing issue about this and our Product Engineers are now working to fix it as quickly as possible. While they do, I recommend reaching out to our Customer Care Team, so they'll add you to the list of affected users.

If no error messages, I recommend following the steps provided in this article: What to do if you get a bank error or can't download transactions in QuickBooks Online. But if the same things happen, you may need to contact our Customer Care Team. They can perform a screen-sharing session to look for the root cause of the issue and help you apply a permanent fix.

To reach them, click the ? Help button at the top-right corner and select Contact Us to talk with a live agent. Ensure to review their support hours, so you'll know when agents are available.

Once bank transactions are downloaded, you can now start categorizing or matching them to straighten out your books. After that, you have the option to do your regular bank reconciliation. 

Please let me know if you have additional assistance while managing your bank transactions. I'll be around to provide further assistance. Have a nice day.