Hi there, b1egel1.
In QuickBooks Online, we don't recommend combining your personal and business accounts. I suggest reaching out to an accountant to help you out what accounts we'll need to use for recording your money in and out.
For Quicken, I suggest reaching out to their Customer Support Team on how to add your personal transactions into a business account. Please click here to get in touch with them.
If you have further question you can always leave a reply. Thanks!