I have a pretty easy work around, which I'm shocked that no one else came up with it.  Create a bill for each vendor.  It can be really basic, so it won't take long. Then go to your bank transaction and select match. My two vendor bills popped up, I selected them, and they recorded perfectly.  So easy.  Yes, it's extra work, but the bill doesn't have to have anything on it, except Vendor name, category and amount. Done. Makes me wonder why QBO didn't suggest this unless I completely missed the comment.