Credit card sub-accounts not downloading data

Let's get your bank transactions to be downloaded, Lisa_S.

Good job for looking into your bank's website ahead for any messages, notifications, or alerts. Before we start troubleshooting, did you receive an error when you visited the Banking page? If you’re not getting the latest transactions, here's what to review so QuickBooks starts downloading transactions again. 

First, we can do a manual upload. Let me show you:

1. Go to the Banking or Transactions menu.
2. Click the Banking tab and select the bank to update.
3. At the upper-right, click Update.

You can review the number of transactions on the account tile and you'll see if it increases. This would mean that QuickBooks downloads new transactions. If you received a banking error, you can click the link and proceed to the Step 4: Fix specific bank errors section and select the error you're prompted with: Bank errors.

Meantime, you can manually import your transactions to keep up with your books. For the next step, you can categorize your transactions once they are available in your bank feeds. 

Please don't hesitate to post or leave a reply on how these steps worked. I'm always here ready to help with your bank transactions. Take care!

Thanks for your reply.  I was able to successfully manually download the transaction file.  However, I would like to be able to get the transactions from the child accounts to automatically download with those on the parent account.  The child account transactions have never downloaded.  Any other possible solutions?  Should I disconnect the parent account and try reconnecting it?

Thanks for taking the time to get back on this thread, Lisa_S.

I'm here to share some information about your credit card subaccount setup. 

Before connecting to Online Banking, you'll need to verify from your bank how they send the transactions. If the data download to one account, then connect the parent. Otherwise, you'll have to link the subaccounts only.

Please note that we're unable to connect both a parent and its subaccount. Doing so will show a message that the account is already connected.

For more details, I'd suggest checking out this article: Connect the Accounts to Online Banking.

Once you downloaded the transactions to the correct account, I encourage categorizing them in QuickBooks. This ensures your books are accurate. 

Please keep us posted on your progress in downloading the transactions. I'm determined to ensure your record is correct.

This isn't helpful:    If the data download to one account, then connect the parent. Otherwise, you'll have to link the subaccounts only.

I have only ever had the data from one card download to QBO.  How am I to determine "if the data download to one account"?

Hi LisaS4170,

Thanks for following up on this. I'll share information about the feeds.

The best way to know is to ask your bank since they have control over your accounts. You may also try to connect the main account first to see if your transactions (including the sub-accounts') are downloaded. If not, you can disconnect it and connect your sub-accounts.

You can find more information in this article: About bank or credit card subaccount setup. It talks about connecting credit card accounts with sub-accounts.

I'm just right here if you have more questions about connecting an account. Take care and have a good one!

I find it hard to believe that anyone I could actually reach at Chase Bank is going to have the information about their feeds.  

The main, parent account has always been connected and the child account transactions have never downloaded.

If I disconnect the parent account and try to connect the child accounts, then I assume the parent account transactions (the vast majority of them) won't download.  That's not going to help me.

I also bank with Chase so I understand exactly what you are asking @LisaS4170 I had the same issue you are having but was able to fix it.

You are both right in this thread :) It is true that you can only link EITHER the parent or the child accounts in QB.

What is very confusing on Chase is that, as a user, the "parent" account looks like the primary card holder. For example, I am the primary card holder at Chase, so when I login to Chase my card looks like the "parent" and my employees cards look like "children," but in actuality in QB you need to set up a dummy "parent" (which is NOT the primary card holders account), then make the primary card holder one "child" and every employee another "child."

To put this another way: Chase sees my account like this -
Me
- employee 1 (my child)
- employee 2 (my child)

but QB sees it like this -
Card (parent, no cardholder)
- Me (child of account)
- employee 1 (child of account)
- employee 2 (child of account)

Finally, to not mess it up, be sure you do not link that dummy "umbrella" parent in QB to the primary cardholders account from chase.. that chase feed must be linked to the child in QB for the primary account holder..

What to link in QB:
Card (parent, no cardholder) <-- do NOT link anything at all here
- Me (child of account) <-- link primary cardholders chase account (what chase views as "parent") HERE
- employee 1 (child of account) <-- link each employees chase account to its QB subaccount
- employee 2 (child of account)

This will make sure all transactions import correctly. If you're like me, you'll be left with one annoyance, which is that all the costs import under the child accounts, but your payments to the account will go to the parent (which makes sense.. most of us don't pay each additional users balance separately). This works out in the end in that the total of the account in your financial reports will be correct (if there were $10,000 in charges and $10,000 in payments, the account summary will be accurate and show $0), but the expanded view looks hideous as expenses just keep piling up under the child cards and payments keep piling up under the parent.. but oh well, at least all your transactions make it in..

  Hi @KCM1 
 Thanks for the explanation... I also have Chase... I also have been having these issues... I only just caught it now that my expenses from my employee cards are not being brought in....

 So I messed with setting up the dumby parent account and making all cards including mine employee cards under it. I also see your point about credits only going to primary card while expenses pile up on "employee cards" What a pain...

  But my other question is I have 7 employee cards will all 7 of those be displayed in the banking section with my checking account??? That how it looks right now with the two I tested with. If so this is completely ridiculous that the top accounting software and one of the top banks can't even work together properly. I'm so frustrated. 
   Let me know if anything has changed since Jan.... maybe you or someone else reading has a better solution now. 
  I can get all the individual reports I want on Chase I have absolutely no need for it to break down into separate accounts per employee card when it comes through the QBO it should just all be handled in the primary card.  What a pain.

 Let me know if anyone has a different solution.  Thanks in advance.   -Eric

Oh man.. what a pain. If there is a way to collapse them, I still have not found it. Luckily I have fewer employee subusers, but I have a few different Chase card accounts and, yes, my QB banking area has many times more "cards" than my actual number of credit card accounts, and my balance sheets are basically unreadable without collapsing them all into something sensible. 

Sorry I can't be helpful, but I wanted to pile on to your primal scream in case someone in QB product is listening to our collective pain!

Thank you, this was incredibly helpful!! Finally got all my transactions to upload. Annoying that QBO doesn't recognize the data correctly, but glad to find a workaround!

What a pain.  The fact that we pay on chase side and for QuickBooks annoys me. I heard this is not the case with other banks. I gave up and I download CC transactions as a web file.  That way it downloads all the employees' transactions

Hi KCM1,

I am having the same issue with BOA.  When I set the connection up, I connected the umbrella account and user, the only user that showed up.  Now I find out there are 4 users, and I dont think the other users showed up in the conncections window when I was setting this up.  

Any suggestions would be greatly appreciated.  

I am having the same issue with Chase. I have a Chase SWA Visa.  I am the main cardholder and I have two additional cardholders. Do I set up my additional cardholders as sub accounts?  

The feed that they support would be a determining factor, skipwith.

Before connecting to online banking, it's important to know how your financial institution delivers the data. If the transactions are downloaded to a single account, it's advisable to solely add the main one. 

However, if the transactions are downloaded to individual cards, connect the subaccount, not the parent. Attempting to connect both of them is not possible, as a message indicating that the account is already connected will appear.

That being said, you'll want to coordinate with Chase to know what type of connection they support. Once confirmed, follow these steps to link your credit card:

1. Go to Bookkeeping, then choose Transactions.
2. Head to the Bank transactions tab and select Connect account or  Link account.
3. In the search field, type the name of your bank in the search field.
4. Tap Continue, then enter your user ID and password.
5. Follow the on-screen instructions.
6. Set how far back you want to download transactions.
7. Hit Connect to complete the process.

I'm also adding these articles that'll help you review your bank/credit card entries and put them into the correct accounts:

• Categorize transactions
• Set up bank rules

Don't hesitate to click the Reply button below or start a new thread if you have follow-up questions about this topic or need assistance in accomplishing your other tasks. I am always here to back you up. Have a great rest of the week, skipwith!

Running into the same issue as well... Entire account balance is allocated to the parent account but only the parent's transactions come through. Meanwhile, sub accounts are pulled in with 0 balance but a ton of transactions. Just makes the automatic bank feed option unusable w/ QuickBooks. I hope Intuit finds a quick fix. 

Hello there, @bbalu.

I want to ensure you get the help you need with your banking concern in QuickBooks Online (QBO).

To make sure we're on the same page, I'd like to verify the name of the bank whose sub account pulled in with 0 balance. Any additional information will get us closer to the resolution and check if there's an open investigation about this. Any extra information is appreciated.

We're looking forward to hearing from you. Have a great day!

The bank is Chase. Credit card sub account balances always come in as $0. 

Thanks for replying back here and providing the name of the bank you're having an issue with right now, @bbalu. Allow me to assist you further and offer some steps to perform so we can rectify this and be able to help you keep going with your tasks.

Since you mentioned that the transactions are being displayed and only the credit card balance isn't updating or showing as $0, we can perform these troubleshooting steps to check any issues and update the connection. Here's how:

1. Go to the Banking menu then select Banking.
2. Select Link Account beside Update. Note that we won't be adding an account, we just need the listed URL.
3. Search for your bank and select it.
4. Copy the URL listed for your bank and sign in to your credit card's website using the copied URL.
5. Select the tile for the bank account.
6. Hit Update.

If you're able to sign in, it's a good sign that there isn't a major issue. Next, I'd recommend checking the following:

• Look for messages, notifications, or alerts.
• Look for any display issues on the website.
• Check for any announcements about new security requirements.

If everything looks good, go back to the Banking menu of QuickBooks then hit on the Update button beside Link account.

However, if the credit card balance is still showing as $0, I'd recommend getting in touch with our Techincal Support Team so they can go ahead and check on your account in a secure environment using their tools and determine the root cause of this problem. 

Lastly, I've included these articles that'll help you manage your bank transactions and to learn more about bank or credit card account setup:

• Categorize online bank transactions in QuickBooks Online
• About bank or credit card subaccount setup in QuickBooks Online

I'm still ready o back you up if you need more help managing your bank transactions and credit card balance in QuickBooks Online. Just hit on the Reply button and I'll be on my way. Take care.