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Buy nowI'm happy to see you here, @dhencath. Thanks for choosing QuickBooks Online (QBO) as your accounting partner. I'm here to help you set up your company seamlessly.
Let me go over and discuss the details in performing this task.
In QBO, you'll have to set up a different company for the different Taxpayer ID Number (TIN) and locations just like what Fiat suggested above. Here's how:
In creating 2 separate account, you can use the same email and user ID to easily switch between them. Using them at the same time to make the entries is possible if you open them using a different browser or device.
For your other concern, the ability to use the same bank account to manage transactions and payroll is possible in QBO. For guidance in setting it up, feel free to check the following article:
I'd love to know updates on how this goes. If you have additional questions about managing your company file, please don't hesitate to post again here. I'm always around to lend a hand. Have a great week ahead and take care.