Thanks, but I don't use QB 2020 desktop for Mac to connect directly to my bank. That never worked, so I have always downloaded a QBO file to my computer, then clicked the Import QBO file from the downloaded transactions window. I actually tried to import the last successful qbo file and got the same error . . . so I know for a fact that one is in the correct format because it downloaded previously.

I am thinking QuickBooks may be trying to force people to move to the subscription-based products, but I only use QB to keep track of transactions, not for payroll, I don't need it to connect to the internet for anything at all as I manually download my QBO file, and manually input my credit card charges.

(so I do know that QB2020 desktop for mac is discontinued, but I should be able to manually import files as that involves no connection to internet, or any online services of QB.