A QuickBooks file that's set to read-only will open in QuickBooks but you won't be able to edit it. Often files appear as read-only because of the type of media they are stored on.

How to Make a QuickBooks Company File Smaller. QuickBooks company files contain transaction details and a variety of other entries, such as customers and vendors. Over time these types of data may ...

For QuickBooks Online, you just go to your bank feed, select “File Upload” from the “Update” drop-down menu and import the file directly into your bank view.