@PZAdmin 

You can download .qbo files from your bank BUT you can't import directly into your QB Desktop. If your bank provides *.csv files, you will need to use a 3rd party tool to import it into QB Desktop. It's a $199 one time license and you can get $100 cashback to purchase the license from a partner.

https://get.transactionpro.com/qbd

Another option, you can contact @Fiat Lux - ASIA and they can share another option to keep using the bank feed feature with QB Desktop with a non subscription license.