Hello there, sandi2.
These are the steps if you're trying to set up a new user in QuickBooks Online:
Just a heads up that only the master admin can set up a new one. Each user type has a corresponding level of access. That means they have limitations to some features. These are the user types:
Reports only or Time tracking only user
If you want to add a user that can download bank transactions, you'll want to set up either Standard or Company Admin. Here's a reference to learn more about user types in QuickBooks Online.
I've listed some articles below for your guide:
Add, delete, or change user access
What are usage limits in QuickBooks Online?
I'm always here to help if you have other questions.