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I'm here to share clarification about adding bank accounts in QuickBooks Online (QBO).
The "main menu" mentioned by my colleague in this thread is for the QBO mobile app. Since you're using the web version, you can locate the Banking (or Bookkeeping) menu on the left pane.
Here's a sample screenshot from my test account.
To learn more about managing and connecting bank accounts in QBO, check out this article: Connect bank and credit card accounts to QuickBooks Online.
Once connected, the system automatically downloads the latest transactions and suggests categories for these transactions based on how you, and other customers, categorized similar transactions. Refer to this article for further guidance: Categorize online bank transactions in QuickBooks Online.
Also, I recommend performing a reconciliation regularly to ensure your account is balanced and accurate. Visit this article for future reference: Reconcile an account in QuickBooks Online.
Please leave a comment below if you have more questions about this or anything else. I'll be here to assist. Take care.