Hello there.

I see your point here and would also want the ability of this feature as much as you do to benefit you and the program. I acknowledge that it's a great idea and would love to have an option to permanently turn off the auto-match transactions feature in QuickBooks Online. I and the whole QuickBooks Team is looking forward to helping you experience the best of QuickBooks.

With that being said, let's send this feedback to our Product Developers so this will be reviewed and considered in future updates. Also, please note that future feature releases will have to undergo extensive measures and trials to validate their usage and effectiveness.

Here's how you can let our Product Developers know about this feature that you need:

1. Click the Gear icon in the upper-right corner.
2. Select Feedback under Profile.
3. Share your feedback.
4. Click Next to submit.

You can refer to this link so you can track the status of your request and get the latest updates from our development team: QuickBooks Online Customer Feedback.

Additionally, feel free to browse through these articles I have for you in case you'll encounter banking errors or can't find your downloaded bank transactions:

• What to do if you get a bank error or can't download transactions in QuickBooks Online
• What to do if you can’t find downloaded transactions in QuickBooks Online

Drop a reply anytime if you still have questions or should you need assistance managing your banking transactions in QuickBooks Online. I'll be here to assist you further. Take care and have a nice day ahead.