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Level 1

Multiple Credit Card Accounts

Bank of America uses a process where there is a master account and all charges made by subordinate cards are transferred to the master account. Payments are only made to the master account. When using QuickBooks Pro 2018 and bank feed activities should I:


1) only use the master account

2) setup both the master and subaccounts


If the recommendation is to only use the master account, how to I remove the subaccount already in QuickBooks and containing imported data (manually updated)?

18 Comments 18
QuickBooks Team

Multiple Credit Card Accounts

Hi Jeongmi,


If the transactions download to one account, connect only the parent account. To disconnect the sub-account, see this article: Deactivate Bank Feeds for an account. Note: Once the account is disconnected, all transactions will be removed. 


If there are transactions that need to be added in QuickBooks, please make sure to add them before following the article. 


Please reach out to us if you have any additional questions about QuickBooks. Thanks.

Level 1

Multiple Credit Card Accounts

Thank you so very much for the solution. I was able to clear up my original issues. As a note, Bank of America does not record individual transaction in the master account. This system only reports the total amounts charged and the payments made are the only date downloaded through the bank feed. I will need to manually input the individual charges via the "Enter Credit Card Charges" on the Home page. 

Level 15

Multiple Credit Card Accounts

You will Split the Payment to each Card Subaccount. One Payment check entry with multiple lines.

Level 3

Multiple Credit Card Accounts

I just posted about this same problem and read this answer--but it's not helpful.  I need to know what the individual CC transactions are, because I need to assign them to various accounts, and some might be personal expenses, etc.  I cannot easily reconcile the accounts without all the transaction detail, plus payments, plus interest all in the same place.  Any other solutions?

QuickBooks Team

Multiple Credit Card Accounts

Hi there, @trigrman.


You’ll have to get the statements directly from your bank when you reconcile. This way, you can check the transaction details of the payments.


When you reconcile an account in QuickBooks, you compare what you recorded with your bank statement to make sure everything matches.


Also, you can check these articles for more information about reconciliation and detailed steps: 



The above steps should help you print the monthly statements. If you need more help with this, please let me know.



Level 3

Multiple Credit Card Accounts

No, you misunderstood.  I don't have any problem retrieving statements or reconciling these against QuickBooks accounts--in normal situations.  

The problem is that the bank splits credit card accounts into multiple sub accounts for credit cards, but only gives me ONE statement.  I cannot reconcile a single statement against multiple QuickBooks accounts, nor can I sync multiple bank accounts into a single QuickBooks accounts.  

I'm wondering how others deal with this issue?

Tori B
QuickBooks Team

Multiple Credit Card Accounts

Hey there, @trigrman.


Thanks for following up with us and explaining your concern in more details. I'm happy to provide insight into reconciling multiple accounts with one statement. 


Since you stated that the bank has multiple sub-accounts set up, you would need to replicate the QuickBooks account setup. For example, you'd need to set up your parent account, with sub-accounts linked to it. Then, when reconciling, you would reconcile the parent account, so this would reconcile all the sub-accounts at once. I've included some steps below to explain further. 


1. Open your Chart of Accounts, and add a New account



2. Be sure to check the Sub-account of box and choose your parent account.



3. Then, your accounts should look like this:



Now that you have your sub-accounts squared away, we can cover the reconcile process. 


1. From the reconcile screen, choose your parent account. 



2. This will include all balances from the parent and sub-accounts. 



3. Fill in the Ending balance based off the one statement you have handy. Along with the Expense account. Hit Continue to continue to the reconcile.



That's all there is to it. I'm also including a few articles you may find beneficial that cover reconciles, sub-accounts, and credit card account in QuickBooks Desktop below. 


  1.  Set up, use, and pay credit card accounts
  2. Reconcile an account in QuickBooks Desktop

  3. Learn about the chart of accounts in QuickBooks

Please let me know if you have further questions or concerns. I'll be here every step of the way. You can reach out to the Community at any time. Take care and enjoy the rest of your weekend! 


Level 3

Multiple Credit Card Accounts

Nope, that doesn't work because these are accounts linked to bank accounts, and you don't allow me to set up sub accounts for any linked bank accounts.  Any other ideas?

QuickBooks Team

Multiple Credit Card Accounts

Hi there, @ trigrman.




You need new accounts/subaccounts to breakdown the transaction into greater detail, we can always add more. I’ll show you how:


  1. Select Lists from the top menu bar, then go to the Chart of Accounts.
  2. Click the Account drop-down menu at the bottom, then choose New to create the first subaccount.
  3. Select an account type, then click Continue.
  4. Enter the account details, then select the Subaccount of the checkbox.
  5. From the drop-down, choose the parent account and click Save & Close.
  6. Select the Account drop-down menu again, then click New to create the second subaccount.
  7. Enter the account details, then select the Subaccount of the checkbox.
  8. From the drop-down, choose the subaccount you've created earlier.
  9. Click Save & Close to complete the process.


To know more about how the Chart of Accounts works in QuickBooks, you can read this article: Understand the Chart of Accounts.


You can also organize and keep track of your finances by consolidating transactions and removing duplicate accounts.


I'll be right here to continue helping if you have any other concerns or further questions about setting up subaccounts. Have a great rest of the weekend.

Level 3

Multiple Credit Card Accounts

I know how to create sub accounts.  But Quickbooks doesn't allow sub accounts to be linked to bank accounts when the parent account is also linked to a bank account.  So...still not answering my question. 

QuickBooks Team

Multiple Credit Card Accounts

Hi there, @trigrman.


I'm stepping into the thread to share some insights about connecting parent and sub-accounts in QuickBooks.


Yes, this is how QuickBooks works. Connecting both the parent and sub-accounts is currently unavailable since this might cause issues with your books or transactions. 


Before connecting to online banking, you need to figure out how your bank sends the downloaded transactions. If the transactions download to one account, connect only the parent account. If the transactions download to the individual accounts, connect the subaccounts and not the parent one.


To learn more about the connection with QuickBooks and bank accounts, you can check out these links:


If you need help with adding and matching bank feed transactions, you may as well open this article.


Please let me know how else I can help you with connecting your bank account/s. I've got your back and am always happy to help. Thanks for coming, have a great weekend!

Level 1

Multiple Credit Card Accounts

Workaround i've found:

Create a new credit card account that encompasses all your sub accounts.

Change your main CC account into a sub account of that new main CC account, along with all the sub accounts.

Reconcile only the new main account.


I've got a client with American Express, 4 cards linked.  His was the main (and only) one until i added the subs.  Had the same issue.

Created new "AMEX Credit Cards" credit card account on the GL and made all 4 linked cards, INCLUDING THE ORIGINAL ONE, sub accounts of the new "AMEX Credit Cards" account.

When reconciling, pick the new "AMEX Credit Cards" account, and all sub info will be on the reconciliation.

Level 1

Multiple Credit Card Accounts

Hi sarnold - I hope you see my message as I am having same problem.  When you set up the new credit card did you give it a starting balance corresponding to the balance on the old master card?  Or just put zero?


Multiple Credit Card Accounts

Thanks for joining in the thread, Rolabeagle.


I'll share some information when setting up a new credit card account.


It depends. The starting balance should be the same as your real-life credit card balance on that same start date. This way, QuickBooks matches your bank records from the start.


Here's how:


  1. Get your bank statements or sign in to your bank's website.
  2. In QuickBooks Desktop, go to the Company menu, then Chart of Accounts.
  3. Right-click anywhere on your Chart of Accounts and select New.
  4. Choose a Credit card for the account type, then Continue.
  5. Give your account a name. If you have multiple accounts of the same type or at the same bank, give them unique names so they're easy to tell apart.
  6. Fill out the rest of the data fields.
  7. Click Enter Opening Balance button, then key in the amount and date.
  8. Hit Save & Close to record the opening balance.


I've added this article for more details: Enter opening balances for accounts in QuickBooks Desktop.


You may also use this resource to help you match your QuickBooks balance to your bank and credit card statements: Reconcile an account in QuickBooks Desktop.


If you have any other questions about adding or editing your starting balance, feel free to comment below. We're always here to help you.

Level 3

Multiple Credit Card Accounts

I am curious, as this happens here all the time....does anyone in quickbooks help ACTUALLY READ what a person is asking for help on?  Or do you just search off topic keywords and decide that will shut us up?  I happened upon this thread as I too was trying to find out how to get multiple employee credit cards that are an off shoot from the master account on to ONE account in quickbooks.  IRONICALLY EASY to do in desktop- but alas yet another thing that the online developers felt they should change to this moronic sub accounts in online.   YES you can do subaccounts BUT here is the thing you quickbooks people who clearly DO NOT do accounting but only software development.....if you have a credit card that is a master account and you issue out employee cards from this account - while the transactions do post separately to the card - THEY all post to the master account and no one has the time to go through splitting a statement apart to reconcile each card because guess what! AS the original poster explained YOU GET ONE STATEMENT!!!   Here is a HUGE suggestion - that I personally keep making- if you want to make quickbooks online better- make it more like desktop- allow the users- which believe me are more bookkeepers, accountants and cpa's than one off business owners attempting to do their own books- make the program like for like to desktop.  Learn from microsoft- office & office 365- like for like.  Trust me- you'll have happy clients.


Multiple Credit Card Accounts

Hello @frustrateduser2,


I appreciate you taking the time to share your thoughts about the product. It's not the experience we want you to have when using the Online version of QuickBooks.


I would also feel the same about the missing feature after switching to the cloud-based version of the program. Please know that I recognize the importance of having similar behavior with QuickBooks Desktop.


Our product engineers constantly make improvements to serve the users better. I want to make sure they'll know about your suggestion regarding handling multiple credit card accounts that are an offshoot of the master account.


We always update the features, and this preference might be available in the future. As we assess this, I suggest sharing your feedback and experience directly to our engineers.


Here's how:


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


Since the setup for a bank or credit card account with multiple subaccounts is different in QBO, I recommend knowing the available options for the process. I've attached an article you can use to learn more about handling parent and subaccounts: About bank or credit card subaccount setup.


Drop me a comment below if you have any other questions about managing accounts in QuickBooks. I'll be more than happy to help. Take care always.

Level 1

Multiple Credit Card Accounts

I'm having the same issue as frustrateduser2 but in Desktop Enterprise.  The transactions download in bank feeds as separate cards and even though set up as sub accounts, they don't show in the reconciliation tool under the master account.  What am I missing?



QuickBooks Team

Multiple Credit Card Accounts

Hi there, Ava.


I understand that resolving your issue is urgent, and I'm here to help you understand how to reconcile transactions in QuickBooks Desktop Enterprise.


Just like balancing your checkbook, you need to review your accounts in QuickBooks to ensure they match your bank and credit card statements.


To address this issue, you can follow these steps:


  1. Review your opening and beginning balances to ensure they are accurate.
  2. Use the Reconciliation Discrepancy report, Missing Checks report, and Transaction Detail report to look for any changed, deleted, or added transactions. These reports will help you identify any discrepancies between your QuickBooks records and your bank statements.
  3. If you still cannot find the issue, you may need to undo the previous reconciliation until the opening balance is correct.


For accurate results, you can ask your accountant to assist you with this process. And before starting the reconciliation process, remember to back up your company file and match any pending downloaded transactions. This will help ensure that your accounting records are accurate and up to date.


Additionally, you can bookmark the following articles for future reference:



Please let me know how I can help you with managing your bank account/s in QuickBooks Desktop. I'm here to assist you and happy to help. Thanks for reaching out and have a great weekend ahead!

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