I'll share details about managing bank accounts in QBO, justin78.
Merging of bank accounts is one of way streamlining your Chart of Accounts. Please know that merging of banks can only be done if one of the accounts does not have any transactions. Accounts that are connected to Online Banking can't be merged or deleted as well.
Since one or both accounts are connected to Online Banking, the option to merge them is no longer applicable. Additional details about this are discussed here: Merge Duplicate Accounts, Customers, and Vendors in QuickBooks Online.
You'll want to use the new account since it's already downloading the current transactions.
I'd also like to share these articles if you need more guidance when managing your banking transactions:
Let us always know if you have follow-up questions. We'll make sure that you get the help that you need.
