Welcome to the Community, John. I appreciate you for reaching out to us.
Some banking firms may display the overall bank balance at each subaccount level. It is because the bank provides us with a static balance of the entire account rather than the balance of each subaccount.
I suggest contacting your bank to know their way of linking the parent and subaccount and if they permit both or only one.
You may visit this article for a more detailed explanation about setting up a bank or credit card account with multiple subaccounts. You'll learn how to easily connect it to your bank and reconcile downloaded transactions in QuickBooks Online: About bank or credit card subaccount setup.
To learn how to review downloaded bank and credit card transactions and put them in the correct accounts, check out this article: Categorize and match online bank transactions in QuickBooks Online.
Don't hesitate to click the Reply button below if you need further assistance about your bank connectivity. I'm always here to help you. Have a nice day!
