I spent hours on chat and on the phone with QB last week for this same Amex issue.  I had to manually exclude hundreds of transactions and QB is still not downloading transactions from the second card.  I spoke with management and he was of no help.  Tried to upsell additional features of QB.  When someone is frustrated with a product that is not working as it should, the last thing you. need to be doing is trying to sell them additional options.  Quickbooks, you need a simpler fix for this issue.

Its absolutely insane how terrible Quickbooks support is. Pretty sure these aren't real people and just really really really bad BOTS that copy and paste nonsense. 

I have the same question as JLW10- how to link multiple credit cards into one GL account in QBO.  The responses didn't seem to provide a resolution.  Our business has three credit cards.  Please advise.

Thank you for joining the thread, KMK5. Let me share information about linking multiple credit cards to a single General Ledger (GL) account.

At present, setting up multiple credit cards for the same General Ledger (GL) account isn't available. You can create a parent account and set up each credit card as a subaccount under it.

However, If you don't want to use subaccounts, you'll have to set up each card and connect them to your bank. Then, every time transactions are downloaded to each card, you'll have to manually exclude those that aren't associated with the specific credit card. Apart from this, there's a possibility that you'll have to transfer and adjust balances to correct the individual account balances. But I still recommend reaching out to your accountant for other ways you can link your credit cards.

In addition, QuickBooks downloads the latest transactions automatically and matches them with those you've already entered. Go through this article for your guide: Categorize And Match Online Bank Transactions In QuickBooks Online.

Fill me in if you have any concerns about linking credit cards. I'll always be here to help you anytime.

This worked! I had to create a new account (same type: Credit Card). Then I added each of the existing CC accounts that were reconciling from the bank automatically as a subaccount for this parent account.

Important Note: To make this work I had to specify what date this new account should be active from and add a zero dollars to the opening balance. After I did that, the account appeared in the PARENT account list.

Hello there, @itsirit.

We are glad that the resolution given by my colleague worked for you. Thank you also for sharing the steps you have done. Have a great day ahead!

I am still confused about how to make this work.  I had to migrate from Desktop to QBO, so all my previous transactions are in the Parent Account.  When I link the parent account it only downloads the parent credit card transactions and not the other credit card.  

I’ll chime in on this thread to address your concerns with bank transactions in QuickBooks Online (QBO), @trishakemp.

When connecting your online banking with QBO, it's important to consider certain factors. Knowing how your bank sends downloaded transactions is key. If the transactions are downloaded to a single account, connect only the parent account. 

However, if the transactions are downloaded to individual accounts, connect the subaccounts and not the parent account. Attempting to connect both will result in an error and is not permissible.

On the other hand, QuickBooks is dependent on what and how your bank institution sends the transactions to the application. Thus, I recommend reaching out to your financial institution provider to verify and confirm how they move entries to your online banking.

You may want to consider checking out these articles that guide how to classify transactions and carry out account reconciliation. This approach will help ensure that your transactions are accurately classified and that your bookkeeping is consistent, without any discrepancies:

• Categorize and match online bank transactions in QuickBooks Online
• Reconcile an account in QuickBooks Online
• Fix issues at the end of a reconciliation in QuickBooks Online

Our priority is to ensure your satisfaction, and we are committed to providing you with even better service in the future. If you have any further questions regarding banking or QuickBooks-related matters, please feel free to leave us a message. Stay safe and take care!

I'm currently trying to do the same thing.  One account, three cards total, but in QB Desktop.  I keep getting that error message of "couldn't bind one QB account with multiple FI accounts" and it seems to make me have individual accounts for each card, but I don't want to reconcile three times.  I want them to all appear together, just like they do on my statement.  Any suggestions for QB desktop?

Let me share some information about the error message you received, RedTopConstruction.

This message means that transactions are stored individually for each of the accounts. You need to set them up as separate accounts. You can connect the parent account with all the flowing transactions. Then, the others, as subaccounts. 

In your situation, you can't set up the other accounts as sub-accounts under a parent since they're already connected for online banking, and each reflects individual transactions. 

For further information about parent and subaccounts, check out this link: About bank or credit card subaccount setup.

Additionally, I'll add this article to help you keep your accounts balanced and accurate: Reconcile an account in QuickBooks Desktop.

Comment below if you have additional questions about managing your bank accounts. I'll be around to help.

I have this same issue still. It's an issue with how the credit card posts transactions, but I think QB should offer a solution for this. Here's what I know-

We have 2 company credit cards, both with multiple cards issued to employees (aka sub accounts).

With our capital one, I can connect just a single account (main parent account) to QB and it will download all transactions from every single card holder into the one parent account, SO NICE! Then you only have to reconcile the one account and don't have a mess of sub accounts. 

Then, we have a Chase card, which will only report transactions from the main parent account when I connect it, so then I have to connect each card holder separately as its own account in QB to get the transactions off of those cards. Meaning the only way to connect all of them into one account is by creating the parent account (which is not connected to the bank), and then put all the connected accounts for each card holder as sub accounts under that parent. Then reconcile just the parent account only. 

Yes this solves the main issue, by putting all the charges into one place, but it's still annoying to have so many accounts for just one credit card! 

I used to just leave each card as its own account and then use a journal entry to move the balance from the sub users into the main card account every month, but that's more work than it's worth and more room for error I feel. 

I hope QB creates a solution to this, they would have to create some kind of tool that allows you to combine multiple bank connections into a SINGLE account.

I have this same issue still. It's an issue with how the credit card posts transactions, but I think QB should offer a solution for this. Here's what I know-

We have 2 company credit cards, both with multiple cards issued to employees (aka sub accounts).

With our capital one, I can connect just a single account (main parent account) to QB and it will download all transactions from every single card holder into the one parent account, SO NICE! Then you only have to reconcile the one account and don't have a mess of sub accounts. 

Then, we have a Chase card, which will only report transactions from the main parent account when I connect it, so then I have to connect each card holder separately as its own account in QB to get the transactions off of those cards. Meaning the only way to connect all of them into one account is by creating the parent account (which is not connected to the bank), and then put all the connected accounts for each card holder as sub accounts under that parent. Then reconcile just the parent account only. 

Yes this solves the main issue, by putting all the charges into one place, but it's still annoying to have so many accounts for just one credit card! 

I used to just leave each card as its own account and then use a journal entry to move the balance from the sub users into the main card account every month, but that's more work than it's worth and more room for error I feel. 

I hope QB creates a solution to this, they would have to create some kind of tool that allows you to combine multiple bank connections into a SINGLE account. QB is amazing but also so frustrating sometimes lol

I have the same issue--2 Chase business cards, one is the master card, and the other is an employee card; both have separate feeds. Apparently there is no option for QBO to combine the two transaction feeds under one master feed?

Hello there, jefgiraf.

I understand the importance of linking multiple banks in QuickBooks Online (QBO). However, combining numerous banks is currently unavailable.

Each bank and credit card account needs a specific GL account for accurate tracking and reporting. Consider creating a parent account and setting up each credit card as a subaccount under it.

If you prefer not to use subaccounts, you can set up each card and connect them to your bank. Then, manually exclude transactions not associated with the specific credit card when downloaded.

Additionally, you may have to transfer and adjust balances to correct individual account balances. I recommend consulting your accountant for alternative methods to link your credit cards.

Furthermore, QuickBooks downloads the latest transactions automatically and matches them with those you've already entered. Go through this article for your guide: Categorize And Match Online Bank Transactions.

Let me know if you need more help handling your bank account. I'm always here to help. Take care.

I have the exact same configuration (Capital One  + Chase Business) and it's terrible trying to categorize Chase. I agree Intuit should come up with a clean solution for this rather than putting it back onto the user to implement this hacky workaround. I get one statement from Chase and payments get applied to only to the parent account. Why does QB insist on loading each authorized user account separately? It really should all be the same account with a piece of metadata showing which authorized user account the transaction came from. The solution(s) being offered up by QB Support on this thread are sub-par. Please get a feature request into your development team to figure this out. We pay a lot of money for this software. Do better, please.