I know this hasn't been an easy process for you, Beth104.

Let me make it up to you by ensuring you're able to match the payments to the deposits.

When matching to existing entries, QuickBooks knows the downloaded transaction is the same one you already entered. It connects the two, so there are no duplicates. However, there are cases where some of the transactions can’t find their match from existing records. Here are the possible reasons why:

• The payees don’t match.
• The amounts don't match.
• The dates don't match or aren't close.
• The transaction is older than 6 months.
  • Tip: You can still find a match when you select the Find match section.
• The bank account on the payment is not the same as the bank where the match is located.
• The payment has been reconciled.
• The transaction is already matched to something else.
• There’s a multicurrency issue with the exchange rates, or the transaction doesn't pass through the home currency at some point.

Since the credit card payment is deposited to Bank 1 and the fee is deducted from Bank 2, this is the reason why you're unable to match them. The bank account should be the same on the transactions.

To rectify this, I'd recommend manually adding the transactions to the program. Then, exclude the download entries. 

Let's start by creating a bank deposit for the income that is added to Bank 1. Here's how:

1. Go to + New.
2. Select Bank Deposit.
3. From the Account drop-down menu, choose Bank 1.
4. Add the necessary details to complete the transactions.
5. Click Save and close.

Then, add the fee as an expense transaction affecting Bank 2. After that, you can exclude the downloaded transactions to avoid duplicates.

Additionally, I've added an article that'll help you review your accounts in QuickBooks to make sure they match your bank and credit card statements: Reconcile Workflow.

Please keep us posted if you need assistance categorizing your bank transactions in QuickBooks. We're always here to help you out.