Hello there, @justleni08.
I'm here to help you reconcile your transactions properly in QuickBooks Online.
You only need to reconcile the parent account since transactions from the sub-accounts roll up into it. Since payments are only available on parent accounts, the reconciliation should not be on the sub-account account. This is the reason why you received an error while merging them.
Please also know that if you're using Sublevels and you use the Primary account to reconcile, don't make entries here. This account's register serves as an umbrella of all activities.
To sum it up, you reconcile the Parent level and Split the payment to the Sub-categories so that each sub-balance gets its payment amount applied there.
For more tips about managing sub-accounts and reconciling your transactions in QBO, please see these links:
Should you need any additional assistance with reconciling your credit card accounts, you can leave a comment below. I'll be sure to get back to you.
