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Good afternoon, @office105.
Thanks for reaching out to the Community.
At this time, QuickBooks Online doesn't offer a feature to apply a credit memo to a refund check.
For now, you can create a Receive Payment and apply the credit memo to that, and here's how:
For more detailed instructions, please refer back to this article: Enter and apply credit memos and delayed credits in QuickBooks Online.
If you have any more questions or concerns, please don't hesitate to comment below. Have a good one!