check registers

Thanks for dropping by here in the Community, accountingayer.

I'm here to share some details about combining checking accounts in QuickBooks Online (QBO).

If you mean the account created with QBO payroll is a Payroll Wages Expenses account, it's an account used to record the gross wages expense for the pay run and isn't a checking account.

Moreover, if the third bank that says deleting is one of the bank accounts that you want to merge with the first one. If so, you'll just need to make the account active first.

Once activated, you can merge it to the bank account transfer from QuickBooks Desktop (QBDT). For the detailed process of merging your checking accounts in QBO, please refer to this article: Merge duplicate accounts, customers, and vendors in QuickBooks Online.

Additionally, check out this article to learn more about how you can effectively manage your income, expenses, and any possible errors accordingly. For the step-by-step guide, you can refer to this article: Learn the reconcile workflow in QuickBooks.

Please let me know by commenting below if you have follow-up questions about combining bank registers in QBO. I'm always right here to help. Keep safe!