Thanks for getting back in here and sharing the detailed information of your concern, @bculp818.
To confirm if Capital One sends the downloaded transactions to only one account, not the individual sub-accounts, I suggest contacting your bank. This way, you'll have the right information if Capital One allows you to connect one sub-account or more than.
For additional information, you can refer to this article: About bank or credit card subaccount setup.
You'll want to pull up basic financial reports. Feel free to check this article: Run reports in QuickBooks Online
If you have any clarifications or other concerns about QBO, post a comment below. I’m more than happy to answer them for you. Have a great rest of the week.
