Can you help with how I download QBO file?

I can definitely help you with that, billing95.

After getting your bank transactions, you can go to the Banking page in QuickBooks Online to upload the QBO file. Here's how:

1. Go to the Banking or Transactions menu.
2. Click the Banking tab, then select the account you want to upload the transactions into. 
3. For accounts connected to online banking, select Upload from file from the Link account drop-down menu. For accounts that aren't connected, select Upload transactions.
4. Select Drag and drop or select file, then click Continue.
5. Choose the account you want to upload the transactions into, then hit Continue.
6. Follow the onscreen steps to match the columns on the file with the correct fields in QuickBooks.
7. Select the transactions you would like to import, then click Continue.
8. Click Yes, then Done.

Once the file is imported, you may check out these articles to be guided in categorizing the transactions and reconciling your bank account:

•  Categorize and match online bank transactions
•  Reconcile an account in QuickBooks Online

Reach out to me again if you need more help in managing your bank transactions. I've got you covered.