I'd be delighted to help you record this in QuickBooks Online.
You can account this by entering a bounced check by invoice. The steps below will guide you on how to do this:
Create the Service Items for the payment and fee
Click the Gear icon, then choose Products and Services.
In the Product/Service information panel, choose Service.
In the Name field, enter Bounced Check.
From the Income account drop-down list, select the bank account the check was returned to.
Click Save and new to create the second item.
In the Name field, enter Bounced Check Fee.
From the Income account drop-down list, select or add an income account called Bounced Check Fees. Alternatively, select an existing expense account that you use to track your bank charges.
Click Save and Close.
Create the new invoice with the fee
Click the Plus (+) icon, then choose Invoice.
Select the Customer name and enter the date the check bounced in the Invoice date field.
In the Product/Service column, select the Bounced Check item you created.
Enter the amount of the bounced check in the Amount field.
On the second line of the Product/Service column, select the Bounced Check Fee item.
Enter the Amount to charge the customer for the bounced check.
Select Save and close.
Record the bank service charge
Click the Plus (+) icon, then choose Expense.
From the Bank/Credit account drop-down list, select your bank.
In the Payment date field, enter the date the check bounced.
In the Category details section, enter the following details:
- Category: Choose the expense account that you use to track bank charges
- Amount: Enter the amount your bank charged you for the bounced check.