Hello AngG,

I'll chime in this thread to help you enter the account's starting balance.

If the bank has a running balance, you can enter it as an opening balance when you first set it up.

Here's how:

1. Choose the Gear icon at the top.
2. Select Chart of Accounts.
3. At the top right, select New.
4. Choose the account type, then from the Detail Type drop-down, choose Checking.
5. In the Name field, enter the name of the account.
6. Enter in the appropriate information for the opening balance and the date as of (see the screenshot below).
7. Select Save and close.
   
   

As for your other question, you have the option to add a sub-account on your checking account. Please note that everything in your sub-accounts roll up to the parent account.

Check out this article for the detailed steps: How to create a new parent account or sub-account.

That's it. Let me know if there's anything else you need, I'll be around. Have a great day.