bank feeds

There are two scenarios that I can think of, jd1953.

If this downloaded transaction is a deposit, you can use the Add More Details option in the bank feeds to split the amount. 

Here's how:

1. Click Banking on the upper menu.
2. Select Bank Feeds, then choose Bank Feeds Center.
3. Select the account and open the Transaction List. 
4. Check the transaction you want to match, click the drop-down arrow below the Action column.
5. Select Add More Details.
   

However, if this is a payment, you can ignore the downloaded transaction and manually enter it in QuickBooks to directly apply it to the payments. 

Please read this article for your guide: Add And Match Bank Feed Transactions in QuickBooks Desktop.

You'll want to run customers and receivables reports in QuickBooks Desktop. You can visit this article for your guide: Understand Reports

Let me know if you need any help. We're here to assist you anytime.

You cannot.  Your bank register entries should be entered to match what you did in the real world.

What is your case, that they do not?