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Hello there, rhoda.
On behalf of my colleague, I am here to share some insights about uploading bank transactions in QuickBooks Online.
I understand that manually uploading bank transactions can be a time-intensive activity. However, it is important to note that QuickBooks Online (QBO) provides only two options to upload bank transactions: automatic and manual. Since you received an error 192 that prevents QB from downloading your transactions automatically, you'll need to do the second option, the manual upload.
Furthermore, I'm adding this helpful article as your reference in categorizing and matching your bank transactions in QBO: Categorise and match online bank transactions in QuickBooks Online.
Please don't hesitate to return to this post if you have other concerns about uploading your bank transactions in QuickBooks Online. I'll be here to lend a hand. Have a good one!