I’ve got a resolution for you, @JUCECPL.

I understand your disappointment when a bank account isn't working or connecting with QuickBooks. I want to make sure you're able to access your Wells Fargo bank without any errors. 

The error message you're getting can be a cause of the additional security function from the bank. This means you need to approve or allow and authorize QBO to download transactions.

To get transactions from your bank:

1. Sign in to your bank's website.
2. Follow bank's instructions on how to download CSV files of your transactions to your computer.
3. Check the date range for the download.
4. Download your transactions.

You can view this article for the detailed process on matching and categorizing transactions.

Don't hesitate to visit me here with an update on your bank's connection. I’m always here to lend a hand.