Yes, there's a way to split your payroll EFT transaction in QuickBooks Online (QBO), Bmiller1250. I'll walk you through the steps below.

You can split your EFT between the owner draw and employee payroll, depending on whether you've documented both transactions. If you already do so, you'll want to match them to the downloaded bank data so you don't get duplicates. Here's how:

1. Go to Transactions, then select Bank transactions.
2. Choose the tile for the account you want to review.
3. Select the For review tab.
4. Find a downloaded EFT record.
5. Select the downloaded record to expand the view and review the Matching records found section.
6. Click the link next to each match to get more details. 
7. Cose the open record and select Match.

If you haven't yet entered the owner draw and employee payroll in QBO, you can split your downloaded EFT to account for their amounts. Before doing so, please note that you can only select or enter one name in the Paid To field. Here's how:

1. In the For Review tab, select the EFT transaction to expand the view. If the option in the Action column is Match, change the Find match to Categorize.
2. Select Split (Accountant view) or Split transaction next to Category (Business view), which opens the Split transaction window.
3. From Category, select the categories you want to split the transaction into.
4. Enter an Amount for each split.
5. Select a Vendor or Customer name for each split. Note: The fieldname may vary depending on the transaction.
6. When you're done, select Apply and accept.

Additionally, we encourage you to reconcile your accounts regularly (monthly). This way, you can monitor your income and expenses accordingly. 

I'm all ears if you have other banking concerns or questions about managing payroll and employee transactions in QBO. You can drop a comment below, and I'll gladly help.