Thank you for the prompt reply. I'm here to help you out with creating bank rules in QuickBooks Online (QBO), @Arrow98.

Bank rules in QBO can automatically categorize or add transactions with a custom set of conditions. Taking the sample bank transaction you provided above, follow these steps below to create a bank rule for it:

1. Highlight the Banking tab, then select Rules.
2. Click the New rule button.
3. Enter a name for this rule, set Money in, then All bank accounts.
4. Choose the next drop-down menu to Any. 
5. Set Description, Contains, then Smith.
6. Add another line and set Description, Contains, then 123.

At this point, you'll get this screenshot on your end:

The rest of the options at the bottom of  this window depends on you. It's where you enter the transaction type, category, payee, and tags. As I stated above, these rules allow you to categorize or automatically add transactions. The option to automatically match an online bank feed to a transaction in QBO is unavailable. Open this article for additional information about this feature: Set up bank rules to categorize online banking transactions in QuickBooks Online. 

You can also view this article for a detailed guide on how to match your downloaded bank transactions: Categorize and match online bank transactions in QuickBooks Online.

Don't hesitate to tag me in a comment below if you have other questions about bank rules in QBO. I'll get back to you as soon as I can. Have a great day!