So, I got it to work. I had not made an entry in the account number field. It just wasn't obvious to me that this would be necessary if the OFX direct download section was filled out. I never even looked outside of that section or even suspected that anything outside of that section would be prevent...

Here's an image with a fake account number in the "Login" field.

I just purchased the app based on its ability to do direct OFX imports. I have used the Factory Settings option to enter my financial institutions OFX settings and I have put in my account number and PIN. There is no download button on the registers screen on my iPad. What am I missing or doing wrong?