Lynda,  thank you for the advise!  I download all of my bank and credit card transactions electronically, and 'Add' them to QBs once the proper information is completed (location, class, account, description, etc.).  Is that different than 'Match' the transactions?  Is there a way to Match (ie. link) those two transaction together, once they've been added?  Do I need to delete the 'add' transaction and then 'match' them?