How do i add a BANK ACCOUNT when NOT wanting on line banking. In other words a bank account with no on line link?

Welcome here in QuickBooks Community, contact123. I'll ensure that you're able to add your bank account without linking this to QuickBooks Online.

I suggest first manually create an account name that associated with your bank in the Chart of Accounts in QuickBooks Online. This is where a list of all of your accounts located.

Here's how:

1. Go to the Accounting menu at the left panel. Then, select Chart of Accounts.
2. Click the New button to create a new account.
3. From the Account Type dropdown, choose an account type.
4. In the Detail Type dropdown, select the detail type that best fits the transactions you want to track. 
5. Give your new account a name. You can use the detail type description to create a name that describes what you're tracking.
6. Now let's make sure the account in QuickBooks matches your real-life bank or credit card account. Choose when you want to start tracking your finances.
7. From the Balance field, enter the amount in the account, and determine the as of date. Enter today's date if you want to start tracking immediately.
8. Fill in the other necessary fields. Then, hit Save and Close.

Once done, you can now get transactions from your bank or credit cards and manually import them into QBO. You can click this article to see the step by step process: Manually upload transactions into QuickBooks Online.

Please refer to this article to see a different error message when you manually upload transactions and how to fix them: Fix bank upload errors in QuickBooks Online.

I'm just around if you need more help. You can tag me in the comment section and I'll get back to you as soon as I can.