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This is not the experience we wanted you to have, danvers.
For us to better assist you, I'd recommend contacting directly our Customer Care Team. That way, one of our support care agents can take a look into your account in a secure form and check the bank account connection with our banking team.
To add, here are a few reasons why bank transactions are missing or not downloading in QuickBooks Online:
You can click on the Help menu in QuickBooks Online to contact support or use this support link https://quickbooks.intuit.com/learn-support/en-au/contact