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To start, please know that QuickBooks Online relies on what your bank sends us, Richard.
With that, we suggest visiting your bank's website for any ongoing maintenance, as this may impact downloading your bank transactions.
If your bank reports no issues, we suggest contacting our phone support team for further assistance, given that you have already performed troubleshooting.
They have the tools and expertise to investigate the issue further and provide a solution.
To contact our phone support, please follow these steps:
You can check out this article to learn when to contact them: Get help with QuickBooks products and services.
In the meantime, you can manually upload your transactions into your QuickBooks account.
I'll provide you with this article as a guide on what to do if you can't download transactions in QuickBooks Online.
We are still available and ready to assist you with any additional concerns or questions.