I have THREE checking accounts but only ONE user! Why is QB threatening to discontinue two of the accounts.

Hi, ranchdadmom.

In QuickBooks Online we value the security of your business information thus we have set a more improved way of restricting users access in your QuickBooks. 

When you add a user in QuickBooks Online (QBO), you can manage their roles and limit their access to specific tasks. Once you assign the standard user role, QuickBooks lets you choose the user’s access rights. You can choose to give them all access, limited access or none.

One of the great benefits for having QuickBooks Advanced is that you as the master admin has control over to the access of your users. You can set limitations depending on how you want them to view or modify.

For future reference, you can check out these articles for further guidance:

• Understanding user types and permissions.
• How to add, delete, or change a user's access.

You're always welcome to post a reply if you have follow-up questions about account access. We're always here to help you out.

@TirzahC   It seems as though you didn't actually read the question that was asked by @ranchdadmom-gmai 

The question is "Why can you NOT have three checking accounts and ONE user?"

Thanks for visiting the Community, @Just_me and  @ranchdadmom-gmai.

If you are trying to connect multiple checking accounts, we can link as many business banks and credit card accounts as you can in QuickBooks. Here's how to connect your bank and credit card accounts to QuickBooks Online: 

1. Go to the Banking or Transactions menu.
2. Choose Connect Account on the landing page, or hit Add account or Link account if you've already created an account.
3. Search for your bank. You can connect most banks, even small credit unions.
4. Click Continue. Then enter the username and password you use for your bank's website in the pop-up window.
5. Pick the accounts you want to connect (savings, checking, or credit card) to QuickBooks (these are the accounts currently on your Chart of Accounts).
6. Choose the date range for the download. Some banks download the last 90 days of transactions, others go back as far as 24 months.
7. Tap Connect.

For more details about connecting your account in QBO, please visit this link: Connect bank and credit card accounts to QuickBooks Online. Now you're ready to categorize your transactions to make sure they're added to QuickBooks. 

For the user to have access to the three checking accounts, we'll need to grant access to that user. Just follow the steps and details in this article: Add and manage users in QuickBooks Online. To learn more about how Online Banking works in QuickBooks Online, you may visit this article link: How to use Online Banking, Connect Bank Accounts, and Review your Bank Feed in QuickBooks Online. 

If you have any other questions about adding your bank account, let me know by leaving a reply below. I'm always glad to help in any way I can.​ Take care always.

Hey @ranchdadmom-gmai   I don't know why they are making it so hard, but there is as close to an answer as you're going to get.   

Good luck.