Hello there, @topsecretbk.

Let me share information if QuickBooks will adjust automatically based on the Federal guidelines for garnishments.

No, QuickBooks Online (QBO) does not automatically adjust garnishment percentages if they exceed the 50% federal guideline of net payroll. It's important to manually adjust the garnishment amounts to ensure compliance with federal guidelines.

To add a third garnishment, follow the steps provided by my colleague above, LieraMarie_A.

Here are some resources you can check to learn more about garnishments:

• Set up and collect garnishments.
• Set up, change, or delete employee-paid payroll deductions.

Feel free to comment below if you have questions about employee garnishments in QuickBooks Online. I'm always here to help. Have a great day.