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Hello, @twGrog.
I have an idea on how to ensure that you get the bank transactions including the sub-accounts connected to the primary account in QuickBooks Online.
QuickBooks depends on what is being sent from your bank. There might be a setting there that causes to downloaded the primary transactions only. You'll want to contact your bank to change this.
After contacting your bank, ensure that your connecting the Primary account in the Banking feeds and click the Update button.
I've added an article for your future reference you're ready to assess your business financials: Reconcile an account in QuickBooks Online.
Our doors are always open to help you if you have any QuickBooks-related concerns or questions. Take care.
