Hi @Kristine Mae - thanks for your reply. I'm not sure if it directly applies to my situation, though. Transactions are coming in correctly to all 3 sub accounts (1 main AMEX holder + 2 employee cards) but the balance of the overall AMEX account is attached to the main AMEX holder and the 2 employee cards have a 0.00 bank balance but they are showing a quickbooks balance that never gets paid off since the payments go towards the main AMEX holder's sub-account. Are you saying that when a payment comes in on the main card holder, I'm supposed to split it and transfer some of that payment to "pay off" the 2 other employee cards, which would then bring them to a 0.00 balance?