Hi there, @cb12345.

Thank you for joining the thread. I can share with you some insights about how online banking connection works with QuickBooks.

Yes, once your account is connected for an online banking connection, the system automatically downloads the recent transaction available from your bank. For 90 days old and older transactions, you need to prepare an Excel .QBO file for them as suggested above, then manually import the file to QuickBooks.

Here's how:

1. From the Banking menu, select Bank Feeds, then Import Web Connect Files.
2. Locate the QBO file you saved, then select Open.
3. When prompted to Select Bank Account, select:
   • Use an existing QuickBooks account if the account you're importing transactions into is already set up in QuickBooks.
   • Create a new QuickBooks account if the account you're importing transactions into isn't in QuickBooks yet. Learn how to create an account.
4. Tap Continue. You'll see a dialogue box telling you that the data has been successfully read into QuickBooks.
5. Hit OK.
6. Go to the Bank Feeds Center to review your transactions.

To learn more about importing bank transactions with Web Connect files, I recommend checking out these articles:

• Import and export data in QuickBooks Desktop
• Set up bank accounts for Bank Feeds in QuickBooks Desktop

For more tips about banking or reconciliation, you can also open the topics from this link: Find help with bank feeds and reconciling accounts for QBDT.

Please let me know how else I can help you with your banking transactions. I'm more than happy to help. Have a good one!