Thanks for your prompt reply, micah5.

I'd like to add a suggestion to help with your bank transactions.

We can turn off the Enable suggested categorization option in the banking settings by following these steps: 

1. Go to Transactions or Banking on the left navigation menu.
2. Click the Banking tab.
3. Under the Go to bank register link, select the Gear icon.
4. Un-check the Enable suggested categorization box.

Here's a sample screenshot for a visual reference:

After the steps, you can start categorizing and matching your downloaded transactions. Please feel free to watch a video tutorial in this article: Categorize and match online bank transactions in QuickBooks Online.

To find more related articles about banking, feel free to visit this link: Banking.

Me and my colleagues are always available to assist you if you have more questions regarding the Banking feature or other concerns in your account. Just leave a reply below and we'll get back to you as soon as we can. Have a good day ahead.