Thanks for joining the thread, Roxeeze1. Let me share some information on merging accounts.

You're right, you can set up a new separate account from your first account since you have new account numbers for each bank account. When merging an account, all the data moves into the one you want to keep and removes the duplicate.

Moreover, if you need to merge your bank accounts, you can consult your accountant to keep your books accurate. Also, you've mentioned your bank transactions downloaded into the first account. From there, they are the ones to decide on what is the best thing to do next.

For future reference, here is an article to guide you in reconciling your account: Learn the reconcile workflow in QuickBooks.

If you need additional assistance with merging accounts or QuickBooks, please feel free to notify me by adding a comment below. I'm more than happy to help. Keep safe.