Can anyone explain how to verify checking account when one-time codes aren't doing it??

I understand your frustration in the Banking section, @lcbarksandrec. I'll hop in this thread and fill you in on the details of the issue you encounter with downloading transactions in QuickBooks Online. 

If downloads appear to be delayed or stuck, the problem could be with the bank. To check, go to your bank's website. We can double-check if there's ongoing maintenance from the bank's end.

Once everything is fine, return to QuickBooks Online under the Banking page and start a manual download.

Here's how:

1. Go to Bookkeeping, select Transactions, and then select Banking.
2. Select Update.

If you received an error message while doing the process, please visit this article: How to fix specific baking errors in QuickBooks Online.

If the issue persists, I suggest disconnecting and reconnecting your bank account to resolve them. In addition, I've got here some helpful articles that you can check on:

• How to Reconcile an Account in QuickBooks Online.
• Categorize and match online bank transactions in QuickBooks Online.

Do you need any help with the processes of invoicing? Please let me know. I'd be glad to help.