I am running into the same error message.  I narrowed it down to one day. But I still have not found anyone that can answer as to why I am no longer being given the option to open the file in QB or save it.  Whenever I downloaded to QBs, and then clicked on the download in the lowere left corner of bank webpage, I was given this option.  It is not longer there so I cannot save the file to look for errors.  Do you have any idea how to get the option back?