How to Merge 2 connected bank account into one.

Thank you for your answer.  Should I have received an email notifying me that an answer was posted.  I didn't and it took me forever to actually find this answer.  I've also tried to setup a profile and can't seem to do that either.  If I have already done that, I can't find it.  Community is not very user friendly.  Any assistance would be appreciated.

I appreciate you bringing this to our attention, Blondie. Please know that once you can post here on the Community page, it means your profile has already been created. You can always ask for assistance, and you will receive an email notification once QuickBooks support has responded to your concerns.

You can check your inbox or spam folder to view the response notification from Community support. If you click on it, it directs straight to your original post, where you can see the support team's response, just like in this thread.

If you continue to experience issues with merging your bank accounts, I recommend contacting our Live Support team. They can perform a screen-sharing session to understand your situation and quickly identify the cause of the problem.

Please keep us informed if you have any other questions or concerns.

Hello,

The merged account is "Inactivated" but not deleted/removed. Is that the expectation? can I remove it completely?

Thanks

Yes, the merged account will be set as Inactivated but not completely removed from the system, DFIC.

In QuickBooks Online (QBO), we're unable to permanently delete an account that has had transactions posted to it, which is the case when you merge the two accounts. Thus, the inactive account still exists in the system to preserve the transaction history. However, you'll want to hide it from your Chart of Accounts list view. 

Here's how:

1. Go to My apps from the left menu.
2. Choose Accounting, then select Chart of Accounts.
3. Find the Gear icon on top of the Action column.
4. Uncheck the box next to the Include Inactive.

If you have any further concerns about your chart of accounts or would like to ask any QBO-related questions, feel free to reach out anytime. The Community is always here to assist you, DFIC.

Thank you for your response. Actually, we just started using QB online so the merged account doesn't have any transactions. Can I completely delete it? I just want to start with fresh/clean chart of account. I understand that maintaining history is important but in my case, I just connected the bank account twice and deleted all the transactions from the one I want to merge.

Just as a feedback for potential improvements: 

1. I tried to connect the bank multiple times as I was trying to make QB pull all the transactions for the whole year since 1/1/2025. I finally realized that it is not possible and I read somewhere online that every bank allows QB to pull limited past transactions e.g. only 3 months back. I have never read any message in QB while connecting the bank account that tells me this fact! If QB support team can add a message that tells the user that these are the maximum transactions that can be pulled I wouldn't try multiple time to pull the whole year transactions and having duplicated accounts as a result. While connecting the bank, there is a field ask to how far back I need to pull the the transactions from but it doesn't tell whether QB is able to pull or not and doesn't even tell the oldest transaction QB was able to pull from the bank. 

2. When connecting QB to bank accounts, I think QB shouldn't allow creating two ledger accounts for (criterion 1) the same bank name and (criterion 2) the same bank account number. If such control can be added it would prevent any duplication and save the time for researching and questioning.

Thank you for your support 

Regards

There's no direct way to completely delete your merged account, DFIC.

To delete the merged account entirely, you'll have to ensure that the merge account is activated. Since the account has no transactions, the easiest way to remove this account is by merging it with your current bank account.

Here's how:

1. Go to Gear icon, then select Chart of accounts.
2. Select the Gear icon in the Chart of accounts section
3. Select Include inactive.
4. Find the merged account that you have to reactivate.
5. Select Make Active.

Next, you'll want to merge the reactivated merge account to the bank you're currently using.

You can follow the steps below:

1. Locate the account you want to delete.
2. Click the dropdown in the Action column and select Edit.
3. Ensure the Account name, Account type, and Detail type of the account you'll want to delete match those of the account you want to keep.
4. Once done, you'll receive a prompt that will notify you to merge an existing account.
5. Click Save, then select Yes, merge accounts to confirm.

Once finished, the reactivated account that you've just merged with the current bank account you're using will be permanently removed from your records in QuickBooks Online (QBO).

You can refer to this article for more information: Merge duplicate accounts.

Additionally, I understand how the suggested features mentioned in your post could benefit both you and your business. Given the circumstances, I highly encourage you to share your thoughts with our Product Engineers. 

Your feedbacks are crucial to our ongoing efforts to enhance our services, as we actively review all user suggestions to guide our future software updates. Your involvement will help us shape a better experience for you and all of our users. 

Here's how to submit a feedback:

1.  Click the Gear icon in the upper-right corner of your QBO dashboard.
2. Select Feedback under Profile.
3. Share your feedback.
4. Hit Next to submit.

Feel free to reply to this post if you need further assistance.

Thank you Jane for your response.

I followed the steps and the account is still not deleted but rather inactivated again and the word (deleted) is added next to the old name. I can provide snaps if needed. Please let me know if there is any other solutions.

Thank you @JaneDave_I for your response.

for some reason I am not able to reply to your response directly so I replied to the original post.

I followed the steps and the account is still not deleted but rather inactivated again and the word (deleted) is added next to the old name. I can provide snaps if needed. Please let me know if there is any other solutions.

Thanks for reaching out. I appreciate you following the steps provided by my colleagues, @DFIC. 

Here's a simple explanation for what you're seeing: The word Delete next to an account name means that the bank account either had previous transactions or a recorded opening balance that you deleted in your bank account before merging the accounts. It also indicates that the account was removed permanently after the merging process.

If an account has no transactions or opening balance, it will usually just disappear from the Chart of Accounts after you merge it.

Please let us know if you have any other questions about managing your QuickBooks accounts.