I've contacted the bank and they say everything looks great on their end, even thought the file is converted on their end.

Direct web connect doesn't work, it crashes the program (QB crashes) whether I try to connect directly or upload the OFX.

I ran a file rebuild, program troubleshooting etc and nothing works.

I've thought about upgrading but I refuse to go to a subscription model. I have no option to upgrade to just 2019 even. 

It's all so sketchy and ridiculously time consuming for something that's supposed to save time.