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Turning off the Auto-add feature will prevent the system from automatically categorizing your downloaded transactions in QuickBooks Online.
Let me walk you through how:
With these steps, QuickBooks will no longer automatically categorize the transaction on that specific rule you've created.
Here's an article for more information about bank rules: How to Set and Use Banking Rules for downloaded transactions.
Also, once everything is set, you can now reconcile your account.
If you have other questions, you can post them again here. I'll be around to back you up.