Hi, MDBR.

I can help and share with you some information about downloading transactions for main and sub-accounts in QuickBooks Online.

Before connecting to Online Banking, you need to know how your bank sends the downloaded transactions. If the transactions download to one account, connect only the parent account. If the transactions download to the individual accounts, connect the sub-accounts and not the parent account.

When initially connecting your account, the same opening balance transaction may download to all sub-accounts. You must delete all but one of these balances when you reconcile.

Some banks may show the overall bank balance at each sub-account level. This is because the bank provides us with a static balance of the entire account, not the balance of each sub-account.

You can get more details in this article: https://quickbooks.intuit.com/community/Banking-and-bank-feeds/About-bank-or-credit-card-subaccount-....

For account discussion, feel free to reach out to our QuickBooks Online Support. To reach us, please follow these steps:

1. Sign into your QuickBooks Online Company.
2. Click (?) Help at the upper right corner.
3. Select Contact US on the pop-up.
4. Enter a brief description of your concern then hit Continue.
5. Click Get a callback.
6. Enter your contact information.
7. Select Call me.

Don't hesitate to drop a reply below if you have additional questions. I'll stick around to help.