Bank of America uses a process where there is a master account and all charges made by subordinate cards are transferred to the master account. Payments are only made to the master account. When using QuickBooks Pro 2018 and bank feed activities should I:

1) only use the master account

2) setup both the master and subaccounts

If the recommendation is to only use the master account, how to I remove the subaccount already in QuickBooks and containing imported data (manually updated)?