Banking

I would be curious if anyone else has a better way of dealing with this issue. 

I had this problem as well and had to disconnect the cards from the bank feed, go into chart of accounts and create a parent account, then go into the two accounts individually and make them a subaccount of parent.  Then I reconnected the bank feed, merged each duplicate sub account, in the bank register I removed any duplicate transactions and removed the open balance equity created when I reconnected, did a bank reconciliation and than confirmed that when I applied a payment it went to the parent account (if a credit card with sub accounts)

You're unable to connect both parent and subaccount, valentma30. Allow me to discuss this further to keep you guided.

In QuickBooks Online Accountant, you'll want to determine how your transactions are pulled up before connecting to online banking. You can link the parent account if it downloads to one account. Otherwise, it's the subaccounts instead. Connecting both accounts will result in an error. This is why you're unable to add the credit card as a subaccount of the other. For more information, please refer to this article: About bank or credit card subaccount setup.

In your case, disconnect the account from which your transactions don't flow and only link the account where your institutions send your financial dealings. Here's how:

1. Head to Transactions in the left pane.
2. Choose Bank transactions, then click on the tile for the bank or credit card account.
3. Select the Pencil icon and Edit account info.
4. Under Connected to, tick the Disconnect this account on save.
5. Hit Save and Close.

For more details, scan this material: Disconnect accounts connected to online banking in QuickBooks Online.

After that, you can make your credit card account a subaccount with the guide of this resource: Create subaccounts in your chart of accounts in QuickBooks Online.

On the other hand, ensure your income and expenses are categorized to keep track of them accordingly. If they already exist in your book, match them to avoid duplicates.

We're just a post away if you have additional questions regarding setting up a bank connection in QuickBooks Online Accountant. We're always dedicated to providing the help you need when carrying out different accounting tasks.