I need to be able to upload transactions with their category and class already assigned

  Thanks for sharing your concern here in the Community, @bobbieme. I'll share further details to categorize bank transactions in QuickBooks Online (QBO).

When you download transactions from your bank into QuickBooks, it's essential to categorize them to ensure that they are assigned to the correct accounts. There are two ways to make this categorization. You can use spreadsheet sync or set up bank rules. Both methods will automatically fill in transactions downloaded from the bank.

Here's how to import data using Spreadsheet Sync:

1. Select Add and edit data in the Spreadsheet Sync panel.
2. In the Select Company dropdown, select the company data you want to add or edit.
3. In the Select Record Type dropdown, select a record template.
4. To download data from your QuickBooks Online Advance account, select Edit QuickBooks Record and Sync Back. 
5. Once you’ve added all the information, select Load Template to view the template and add or edit the data.
6. In the post? column, select Yes in the transactions that you want to import.
7. In the task panel, select Sync to QuickBooks. Then, select View Sync Details to see the number of line items that were successfully imported and any errors.

Alternatively, you can set up bank rules in QBO. Here's how:

1. Go to Settings, then select Rules.
2. Select the new rule.
3. Enter a name in the What do you want to call this rule? field.
4. From the Apply this to transactions that are dropdown, select Money in or Money out.
5. From the dropdown, select a bank or credit card account, or select All bank accounts.
6. Set the rules and conditions. You can set a single rule with up to five conditions. Set and include the following, then select + Add a condition.
7. In the Conditions section, choose whether the rule applies to the description, bank text, or amount. Then select Contains, Doesn't contain, or Is exactly to decide how QuickBooks applies the rules.
8. Select the settings for the rule. Select the transaction type, category, tags, and payee to apply.
9. Select Save.

You may refer to this article for further details: Set up bank rules to categorize online banking transactions in QuickBooks Online.

Furthermore, I've also attached this helpful resource to help reconcile your accounts so they always match your bank and credit card statements: Reconcile an account in QuickBooks Online.

That should keep you going today. Feel free to reach out if you have more banking queries in QuickBooks Online. Have a great day ahead.