I appreciate the steps you've tried to resolve your banking concerns, havrelm1.

With QuickBooks, you need to understand how your bank transmits your downloaded transactions before connecting to Online banking. In this case, the bank downloads transactions to individual accounts. You only need to connect it to the parent account in QBDT.

When you reconcile, you only reconcile the parent account. This would reconcile all the sub-accounts at once. Check out this article for a complete guide in reconciling your account: Reconcile your account in QuickBooks Desktop.

Drop me a comment below if you have any other questions about managing bank accounts in QuickBooks. I'll be more than happy to help.