We have the same issue. QBO worked fine with our bank for years. Then our bank changed the URL used to access online banking, but QB did not update the URL they use. So we cannot connect automatically and are forced to use manual downloads.

We have tried to request our banks new URL through the recommendation above dozens of times in the past 18 months, still no update. 

I've spent hours on the phone, escalated cases multiple times. The fix is very simple, but QB engineers or whoever is responsible for the "approved banking url" list refuses to update it. They try to defer to our bank, or the basic help    options you keep finding in these forums. Tried talking to our bank as well, they confirmed everything would work fine if QB had the correct URL to try and access online banking.

Its simple, in our case our Banks old URL was "cbna.com", now you login using: "my.cbna.com". Its the same company and same website, but the small URL change is all that matters. Can someone at quickbooks who revies the URL requests please look into this?