Hello, TracyLynne.  

Thank you for reaching out to us in the Community. As mentioned above from my colleague is turn-off the Auto-add feature. This will prevent creating transactions to categorize automatically.  

You can read through this topic to learn more about the auto-add feature works in QuickBooks Online: Set up bank rules to categorize online banking transactions in QuickBooks Online. 

Additionally, I've included an article that'll guide you in reconciling your accounts. This helps you ensure your accounts in QuickBooks match your real-life bank and credit card statements:  Reconcile workflow in QuickBooks. 

Please don't hesitate to let me know if you have further questions or concerns. I'll be here every step of the way. You can always reach out to the Community anytime you find you need a helping hand. Take care!