My duplicate transactions are a result of Bank Of America's Clearing account which is causing an issue in allocation.  I stopped using BOA 's clearing account in 2020 and pay all transactions directly from checking to credit card bank account.  Now my 2020 bank transactions are recorded and allocated properly however my 2019 P&L and BS have discrepancies as a result. I purchased QB online in January 2020 so my 2019 bank transactions from credit card were passed through the BOA clearing account which I paid by lump sum transactions from checking