I've had the problem as well - rec'd the "QB unable to validate Financial Institution..." message. Then was able to get bank feeds to work today but now it's missing many, many, transactions. So I downloaded from Chase to Excel and all the transactions, which makes me think it's an import problem on QB's side. This has been going on now for several weeks and it seems that Intuit should have it fixed by now given the number of small businesses that rely on them. Ridiculous. This and so many other aggravating little things in QB that have been there forever. If there was a decent competitor out there I would seriously consider switching.