Online banking rules go beyond the automatic memorizing and categorizing 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 categorized.
The purpose of banking rules is to accurately categorize 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.