Cannot download bank transactions

Win 11 using Quicken Classic Deluxe R65.29

I use to be able to download transactions from my bank and import them into Quicken, well apparently there's a new feature that prevents me from doing that now, The bank will only download as either a text file or an Excel file, neither works for quicken.

When I try to One Step Update I get a window, One Step Update Settings. I dont want to sync to cloud so that doesn't get checked and neither does download quotes and investment information. The Update now button stays greyed out. If I choose either of the those two boxes I get a info box popup that says "You are about to sync a file that is older than the cloud" , that sounds like a bad idea so I say no and then nothing happens.

As far as I know I've never put any info on the cloud and absolutely do not want to, that's why I use the desktop version. So how do I go about updating Quicken with recent bank transactions