Variety of Credit Cards and how to handle QBO?

Hello there, VictoriaJZ.

I'm here to help you combine all similar cards in QuickBooks Desktop

Yes, you can combine all similar cards in one. Though, there are times that imported transactions to other accounts cause incorrect balances. What you can do is transfer them. Here's how:
 

1. From the Recognized, Partially recognized, or Unrecognized tab, choose the transaction and click the dropdown and hit Record Transfer.
2. In the Account dropdown, tap the account your used for the transfer.
3. Fill in the transaction details and click Save and add to register.

Additionally, I've added these articles that'll help you manage your downloaded transactions and reconcile the accounts:
 

• Intuit Add and match Bank Feed transactions in QuickBooks Desktop
• Reconcile an account in QuickBooks Desktop

Should you need any additional assistance with your credit card accounts, you can leave a comment below. I'll be sure to get back to you.

Thank you.  I am still confused - so far I have been importing the QBOs from accounts to separately titled accounts as shown in picture below = in other words there are more than 1 type of chase card = the Q is whether I can merge all of Chase 1 into Chase 3 and Chase 2 into Chase 3 and not need to import/add/match transactions separately into each one = some QBOs clearly identify the card [Chase being one] but others do not = right now I guess - and the whole point really is just to have the transaction in QBks so I can do P&Ls per month for certain accounts = my bank account is the one I reconcile precisely.  And I don't see anything like Recognized etc ref transferring = I thought I would just rename Chase 1 into Chase 3 and the two would merge and that would be just fine, same with other related items.

Appreciate the help.  I am using QBKS 2019 desktop on a Mac but that shouldn't matter.

One other reason is that Card 1 may be lost or replaced by Card 2 - so far I have them separated but they are on the same card/source just different ##.  So the merging function is logical = the Q is whether different ## cards by same issuer can be treated the same = I don't see why not and thought I'd just merge them for ease of it.

Thanks for posting here again, Victoria,

I'm joining the thread to share some insights about this banking concern.

The merging process is recommended if you have the following scenarios:

• If the bank connected to online banking changed account numbers and you need to add the new account in QuickBooks.
• If the old account is already inactive and you want to combine previous transactions to the new active register.
• If you don't want to use the other account and wanted to move entries to a new one.
• Accounts with the same Account Type.

We do not recommend merging if the account is still actively downloading transactions in QuickBooks. This is because online banking downloads data based on your bank info and credentials.

If you want to merge accounts that is still connected for online banking, you will need to disconnect the connection first. Then, add the new account information as a separate register in the Chart of Accounts and merge them afterwards. 

I've outlined the steps for you below:

1. Go to the Banking menu then go to the Banking tab.
2. Click the account from the linked accounts to see the Edit account info option.
3. On the next screen, click the box for Disconnect this account on save.
4. Press Save and Close.

Next, add the new account information by going to the Accounting tab then Chart of Accounts. Tap the New button then add a new name for the updated credentials. Skip this step if you already have the account added.

Once done, follow the steps below to merge the two registers. Don't worry, you will not lose any transactions during the merging process. All entries will go to the winning account (active). Follow the steps below:

1. Go to the Accounting section and select Chart of Accounts.
2. From the list, find the old connected account (Example Old Checking).
3. In the View Register drop-down, select Edit.
   
4. Use the same name for the new account in the name field and number on the Description. To merge accounts, one must use the same name for both registers.
5. Click on Save and close.
6. You will see the merge option, click Yes on the prompt.
   
7. The transactions posted from the old register will be combined to the winning account.

Once merged, connect the account again to online banking. These are the steps:

1. In the Chart of Accounts, find the new register.
2. Click the drop-down under the Action column.
3. From the options, choose Connect bank.
4. Follow the onscreen instructions to fully connect the account.

To guide you further, check out this related link: Connect bank and credit card accounts to QuickBooks Online

I'll be right here if you need further help with our banking process. Message us anytime Have a nice day!

I am just getting back & still want to work on the issue - the problem is your directions [and images] refer me to QBks online == I don't. use that = I use QBks 2019 for Mac standalone desktop = and while I know Inuit/QBks wants me to move to online, I can't afford to nor do I need to = I'm just doing my own little financial record keeping.  

From the discussion above it appears that if I want to do this, first I can/should disconnect all the accounts from online download which is fine.  - then I would merge them [ie Chase 1 and Chase 2 into Chase 3] which apparently is accomplished by renaming Chase 1 into Chase 3 and the two registers and transactions would merge == and then renaming Chase 2 into Chase 3 and the same thing would happen and then reconnect the download function to. the new Chase 3, which now has all the transactions from 1 and 2 and can now be downloaded to regardless of whether the transaction is from Chase 1 or 2 - because I've just reconnected using Chase 3 and all Chase 1 and 2 transactions will download to the reconnected/newly connected Chase 3 -- is that right???  Thank you..  

Hi @VictoriaJZ, I'll share details about your account.

QuickBooks 2019 in all versions will discontinue this year, in May specifically. Discontinued products no longer use online services, including online banking. Use this article to learn more: QuickBooks Desktop Service Discontinuation Policy and Upgrade Information.

While you don't need to move to the online version, you're able to continue using QuickBooks Desktop for Mac 2019 to track your transactions manually. Yes, you'll disconnect each account before renaming them for the merging process.

Once your account has been merged into one account register, go ahead and upload your transactions. Here's an article to read and learn more: Download Bank Transactions in QuickBooks Desktop for Mac.

Need help performing any tasks related to your banking account and downloaded transactions, click here to access and browse all articles for QuickBooks products. This reference contains most resources on how you can manage and utilize banking-related features, to name a few.

Don't hesitate to post again here if you have other questions or concerns with QuickBooks banking. I'm always around happy to help. Stay safe and have a good one!