Thanks for the suggestions.

I've tried shutting it down and reopening a few times.  The first item works after I do that, but then when I get to the second transaction it reverts to pulling from the GL database.  It has done the same thing multiple times.

I do not need lessons on how downloading bank transactions work.  I've been using QB for over a decade.  This is a glitch that surfaced after I upgraded to QB for desktop mac 2022.

I am afraid to throw out the program and reload (it is already up-to-date) for fear that I will have to re-register the product, which did not go smoothly the first time, but I guess I will have to try it next since no one else seems to know how to resolve this glitch.