Quickbooks is changing "personal" to "transfer" when categorizing "withdrawal" transactions. Why?

Hello there, alison13,

Withdrawal transactions in QuickBooks Self-Employed are categorized as Transfers. Both personal and transfer transactions will not affect how we calculate you self-employment taxes. It's excluded from our calculations for estimated taxes or business expenses.

You can check these articles for reference: 

• Categorize and edit transactions in QuickBooks Self-Employed
• QuickBooks Self-Employed Overview

Let me know if you have additional questions.