I appreciate your detailed concern, sbalmos. I'll guide you through the process of recording your transactions.

When making a sales receipt with three line items, you'll need to post it in the Undeposited Funds account and ensure to assign the three transactions to the appropriate classes.

Once done, let's record a bank deposit. Please follow the steps below:

1. Choose the parent account from the Account dropdown button.
2. Tick the sales receipt you've made in the Select the payments included in this deposit field.
3. In the Add funds to this deposit tab, add two lines for the restricted and unrestricted subaccounts, divide the amounts appropriately, and put the amounts as negative.
4. Ensure that the total of the bank deposit is 0.00.

See the screenshot below for visual reference:

Concerning your downloaded transaction, there's no need to match it but rather to exclude it and manually clear the deposit in your chart of accounts.

However, if you want to match your bank transaction, you should create the bank deposit in the usual way and match the downloaded transaction. Afterward, create a Bank Transfer to move the money into the Restricted and Unrestricted subaccounts.

You can also use bank rules to automatically categorize transactions from your bank.

The Community is available 24/7 to assist you. Please get back if there's anything else you want to ask. Take care.