Hi @KatyE,

I'll share insight on your situation about parent and sub-accounts for credit card accounts in QuickBooks Online (QBO).

In QBO, you have two options for this type of situation. You either connect the parent account or all the sub-accounts. 

How you proceed depends on the type of connection your bank allows. Some send their online feeds to the parent account. Others send them to their sub-accounts. If you're unsure, contact your financial institution to confirm this. 

Check out this article for additional details: About bank or credit card subaccount setup. It includes the steps on how you can set up sub-accounts in your QBO company, along with screenshots for your reference.

To ensure your books remain accurate, I suggest you reconcile your bank and credit card accounts. See this article for the steps: Reconcile an account in QuickBooks Online. 

I'm one reply away if you need further assistance with your online bank account in QBO. Have a great day!