On my Windows 10 laptop, When Importing or using Web Connect Download from Bank (Bank shows downloading a Quickbooks QBO file).  Why once it is downloaded, does the file become an OFX file.  I try to open the OFX file in my new QB Desktop 2020 and the result is "No new transactions available" response in QB. This is extremely frustrating.  The bank guarantees that it's download is providing a QBO file to me and the bank has had NO COMPLAINTS from thousands of customers using their Account Downloads system (selecting bank's Quickbooks QBO file option).  I've tried both Chrome and Internet Explorer 11 browsers to open the Bank's website and download the account file - but once it is downloaded, it somehow turns into an OFX file.  When I click the final SEARCH button in the Bank's account download file section there is a

YELLOW BOX asking "Do you want to open or save Export.qbo (836 bytes) from imanage.ebanking-services.com?  The options are OPEN;  SAVE; or (OPEN & SAVE).  EITHER WAY, once the file downloads from the Banks' website, it turns into an OFX file!!!!  I have tried all options with this file: (1) OPEN - QB asks "Import new transactions now" or  "Save transactions to a file" BOTH OF THESE QB OPTIONS -QB Pop-Up says the same "No new transactions available";  (2) SAVE - Save on Desktop; then open in QB (using correct matching bank account) result in the same QB Pop-up "No new transactions available" response in QB.  HOW DO I GET THE BANK DOWNLOAD TO  STAY A QBO FILE SO IT CAN WORK WITH QUICKBOOKS DESKTOP PRO 2020?