Let me share some details about the error 192 that your clients have encountered, rhoda. 

Error 192 means your bank requires additional sign-in information, which prevents QuickBooks from automatically downloading banking transactions. 

In the meantime, we can manually upload your bank transactions in QuickBooks Online (QBO). 

Here's how: 

1. Go to Transactions, then choose Bank transactions. 
2. Hit Upload transactions.
3. Select Drag and drop or select files and locate the file you downloaded from your bank. Then click Continue.
4. In the QuickBooks account dropdown menu, choose the account you want to upload the transactions into and then Continue. 
5. Follow the onscreen steps to match the columns on the file with the correct fields in QuickBooks. Then hit Continue.
6. Choose the transactions you would like to import. Then select Continue.
7. Click Yes, and then Done. 

I'll add this article for additional info: Manually upload transactions into QuickBooks Online. 

After uploading your transactions, we can match and categorise them to go into your accounts so you can review them. 

If you have any bank-related concerns, reply to this post. I'll be here to assist. Keep safe always!