Hi @bculp818,
I'll handle your queries about online banking in QuickBooks Online (QBO).
In QBO, you can sync either the parent account or it's sub-accounts. As for online bank accounts, they either flow their transactions to the parent account or through the sub-accounts. With that said, it depends on the financial institution in question how you can proceed.
Additional insight on this matter is in this article: About bank or credit card subaccount setup.
I'll also share this article with you: Reconcile an account in QuickBooks Online. It's a detailed guide on how you can reconcile in QBO. It includes a short video that you can use as a reference.
Feel free to drop a reply in the comments below if you have other concerns. I'll handle them for you.
