Hello there, @Lisa9801.

I'll share the reason why you're no longer seeing the option to add interest when reconciling your accounts so you can manage your financial data accordingly.

The Interest earned option is only available when your bank accounts aren't connected to online banking. Based on your description, I can tell that you've already connected both your checking and saving accounts. That's why the said option no longer shows when you reconcile in QuickBooks Online (QBO). 

Also, I encourage you to reconcile your accounts in QBO regularly (every month). This helps monitor your income and expense transactions and detect possible errors accordingly. You may want to check out this article as your reference to guide you in doing and fixing reconciliations in QBO: Learn the reconcile workflow in QuickBooks.

I'm all ears if you have other reconciliation and banking concerns or questions about managing transactions in QBO. You can drop a comment below, and I'll gladly help. Take care always, @Lisa9801.