Hi there, Leah. Let me share additional information about how you can get through this banking concern.

When connecting a bank account in QuickBooks Online (QBO), you'll need to identify how your financial institution sends your downloaded transactions. If it downloads to only one account, connect the main one. But if it downloads to the individual accounts, you'll need to link the sub-accounts.

 Here's how to create a sub-account:

1. In the left menu, click Chart of Accounts.
2. Click the New button.
3. Choose the account type and detail type.
4. Select Is sub-account and then enter the parent account.
5. Enter a name for the subaccount. You can also add a description.
6. Select an When do you want to start tracking your finances from this account in QuickBooks option Note: Only some account types need this, like bank, credit card, asset, and liability.
7. Select Save and Close.

For more details about this, see this article: 

• Create subaccounts in your chart of accounts in QuickBooks Online
• About bank or credit card subaccount setup

When it’s time to reconcile, you only need to reconcile the parent account. This is because all transactions in the sub-accounts roll up into it.

Let me know if you need more information about syncing your credit card account. I'm always glad to help. Have a great rest of the day!