Hi, GlinetteC.  Thank you for your response to my post.  I may not have made my issue clear.  It is not my rules that are the problem.  It is when I do not have a rule that QBO seems to botch the categories...terribly!  

For example, I have a vendor in Hugo MN.  I also visited a restaurant named Hugo's.  Every time I pay my vendor for their service it came up as "Meals Out", the category I would have established for my personal dining.

Worse yet the categories often affect other registers.  Like when I pay my city government for the water bill QBO chooses a credit card payment.  If I don't catch it before accepting the tranaction I will have a mess on my hands for reconciliation.  

I want QBO to stop trying to add categories for me...having them auto confirm is out of the question until QBO can get my categories right.

NewbyToo