We don't want you to feel that way, @green mountian renegade.

I'd like to share some details about the Memo/Description field's function in QuickBooks.

In QuickBooks Online, many reports have a combined Memo/Description column. Some reports show memos in this column and others show descriptions, depending on the purpose of the report. 
 

Let's say you want to run a report that shows the memos, and what you've pulled out showed the descriptions. In this case, you'll have to run a different report. I recommend using the Transaction List by Date report. This shows the memos and you can customize to display the transaction types you desired.
 

In the Banking menu, If you haven't selected the Copy bank detail to memo option in the Gear icon, the details are still the same. If you've imported bank transactions and selected the Copy bank detail to memo option the information will still remain the same. But, there's an indicator that it has been copied from the bank description as, "Checking shows this as..." in the Categorized tab.

I've added a screenshot for your reference. (The first window shows the information in the For review column. The second window shows the details in the Categorized tab. The Copy bank detail to memo option is activated before it's being categorized.)

I'd also suggest checking out our blog site to be updated on the new features rolled out by our product developers.

Please don't hesitate to tag my name in the comment section below if you have other concerns or questions. I'll be here to back you up. Take care.