Thanks for reaching out to us. May I know how did you set up the bank account for these 4 consultants? Was it set up as as sub accounts, Leigh2?

The most common practice for setting up a bank or credit card account with multiple associated cards is to create a parent account, and then set up each individual card as a subaccount under it. 

Before connecting to online banking, it's important to understand how your bank sends the downloaded transactions. If all transactions are download into one account, connect only the parent account. If the transactions download to the individual accounts, connect the subaccounts and not the parent account. 

When it's time to reconcile, you'll need to reconcile the parent account, as all transactions in the subaccounts roll up into it. In relation to this, when running a report , focus on the parent credit card account rather than individual sub-account. This will give you an accurate summary that avoids double-counting. 

To give you more information about multiple bank and credit accounts setup, check this our for your reference: About bank or credit card subaccount setup.

If you wish to streamline or automate transactions in your Banking page or even when running reports, feel free to connect with our QuickBooks Live Expert Assisted team. They can help you save time and simplify the process.

Fill me in if you have any concerns or questions about your credit card account setup or when running reports, I'm always around to assist you.