I can see how this worries you, @WMHCP.
Allow me to share more details about getting the total amount of the sub-accounts to the parent account in the Banking page.
QuickBooks rely on the statistic balance given by your bank. You may want to check your bank's setup for the sub-accounts. If the transactions download to one account, connect only the parent account. However, if the transactions download to the individual accounts, connect the subaccounts and not the parent account.
That being said, I'd recommend contacting your bank to see how they set up the sub-accounts and the parent accounts.
If you're referring to QuickBooks Desktop version, it applies the same especially when your bank is connected to QuickBooks in the Banking.
However, if you're account isn't connected to your bank and you're not able to see the total amount for the sub-accounts, I'd suggest updating your program. This will remove some unwanted issues. For more information about the troubleshooting steps, you can check out this article: Repair your QuickBooks Desktop for Windows.
To know about sub-accounts, you can review these articles which also contains sub-articles that can be handy in the future, such as manually adding bank transactions to your register and how to reconcile.
You may want to check out these articles about tracking your business financials:
These references will give you tips on how to customize and manage your payroll reports.
Please don't hesitate to let me know in the comment section below if you have other questions or concerns. I'd be happy to assist you further. Take care always.
