Your Bank and Credit Card providers should offer the download as "qbo = ofx" instead of csv; or look for .iif. If .iif, there is no Banking Center functionality; a .iif file loads directly into the file on import. Otherwise, you need a conversion tool; Save As will not recode a csv file to meet the qbo requirements as internal coding is different.

Direct Connect = the QB program is supported by the Financial Institution directly and updated through a server connection feeding the qbo data into your Banking Center.

Web Connect = you Download a file and then use the manual tools for reading in the file, so you have to get the right file type or convert to the right file type, to use it.