Hi @credentialsecur,
Welcome to Community! It's important that you're able to balance your accounts effortlessly. QuickBooks Online provides the features you need, so you can split transactions and ensure they match, so you can reconcile with peace of mind. I'd be happy to help!
Based on the information you've provided, I suggest reviewing this helpful guide, to account for bank fees. You can also split transactions when needed as noted here.
Should you require additional assistance, please don't hesitate to contact us.
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Feel free to reach out again, if you have any other questions. We'd be glad to assist!