Let me give you some additional information about parent and sub-account credit card connections, @ClimbWorks.

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. You can't attach a parent account to its sub-accounts, either. If you try to connect both, you will receive a message that the account has already been connected to QuickBooks Online. Many banks can display the total bank balance at each level of the sub-account. This is because the bank gives us static stability of the account as a whole, not the balance of each sub-account.

For more information about account connection check out: bank or credit card sub-account setup.

I hope this helps. I you have any other questions, I'm only a reply away. Have a great week.