That is not the point. If a merchant payment comes in through Intuit on the exact account that it is refused a couple of days later, QBO should have the software written in it to subtract that amount from that exact account. To require the need for a journal entry is fussing with the books in a unordinary practice whereas the account was corrected in the return. At that point the owner of the business would be able to process the NSF notice with that specific account without making any changes outside of a memo or a checkbox to flag that it was a refused payment due to NSF. I can easily write journal entries. But it does not solve a very easy software correction. It only muddies up the books.