Online banking rules go beyond the automatic memorising and categorising that QuickBooks Online does. For frequently downloaded items, rules can save you a lot of time by scanning bank items for certain details you assign for specific payees and categories.
Default accounts are used when it is unclear how a transaction should be categorised.
The purpose of banking rules is to accurately categorise transactions. Because these accounts do not accurately depict the category, they are ignored by Banking Rules (even if they have been renamed).
The following default accounts should not be used when creating a banking rule.