After an hour long phone call with Intuit I have confirmed that Quickbooks is shutting off functionalities for Windows 10 users. They told me to get QB Online or update to Win11 no less than 10 times in 10 minutes and I kept pressing them to give me the answer that they have purposefully shut off this functionality. After she took about 10 minutes to check specifically on whether this functionality still worked, she came back on the phone and said "yeah you will have to upgrade to Windows 11" and I said I did not ask to talk about that I asked if this functionality has been shut off by Quickbooks and finally she just kept repeating the party line of "some functionalities may not work"

So officially as of a few weeks ago, Bank of America Checking will not be able to use bank feed to import transactions in ANY WAY on a Windows 10 machine. Credit cards still work, for now.