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As for creating the sub-category, yes, you can create it in the deposit workflow. Instead of selecting the Bank Fees account, you will need to add the new expense account first. Then, make it as a sub-category for your Bank Fees.
Here's how:
For more details about adding the service charges or fees in the bank deposit window, please go to the Include bank or processing fees section in this article: Record and make bank deposits in QuickBooks Online.
To add the sub-account in the Chart of Accounts window, the steps are laid out in this guide: Create subaccounts in your chart of accounts in QuickBooks Online.
Please let me know if you have any additional question about the process or need help with other task. I'll be happy to help you out again. Have a good day ahead!