I am not support Staff, just a user.
Your first question.
Your description is not that clear but it could be you need to click the button to the right of the NEW TRANSACTION button.
Can you elaborate on the meaning of STMT downloads. Are you talking about importing an OFX/QFX transaction file from your bank?
Also, what is your computer operating system and what version and build of Moneydance are you running, e.g., 2022.1(4059).