Hi Sea-Bot, 

It's great to have you reach out in the Community. The program enables you to reach your accounting goals using the powerful features offered in the program. I'll be happy to share more info and help steer you in the right direction so you can achieve your goals with ease. 

Changing the banking password will pause the automatic downloading of transactions into QuickBooks. You'll have to update the bank login info in QuickBooks. Based on what you've described, I see you already have a good grasp of what's going on. That being said, I recommend searching for third-party apps on our site www.apps.com. Otherwise, I'll also leave this question open in the Community so other members can chime in and share their workarounds and which best app to use in order to achieve your goals. 

Let me know if this info helps. I'll be one message away in case you have additional questions. Otherwise, I wish you a great rest of the day.