Why does my .qbo file have a file type of QuickBooks OFX Data?

In Windows there is both a file extension (the text after the last period in the file name) and a file type.  For example an Excel spreadsheet has a file extension of .xlsx and a file type of Microsoft Excel Worksheet.  The file type is created by Windows or by applications such as Excel and QuickBooks, and is only editable by going into the Windows registry.

So the short answer is that QuickBooks creates a file type of QuickBooks OFX Data, rather than something more obvious like QuickBooks .qbo Data.  Since .qbo format is a derivative of .ofx format, it makes some amount of sense, but it sure is confusing.

To see the actual file extension, simply turn on the display of file extensions in File Explorer or Windows Explorer.

The Windows 10 procedure for turning on file extensions is: Open Control Panel > Appearance and Personalization. Now, click on Folder Options or File Explorer Options, and open the View tab. In this tab, under Advanced Settings, you will see the option Hide extensions for known file types. Uncheck this option and click on Apply and OK