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Join nowYou can set up the classes as go once you link the bank accounts, however it might be better to start with the classes you have in mind so you have a clean view of what it is going to look like.
Classes are another way to group transactions. I used classes for a law firm to mark what kind of case they got paid for, service item.
For your reference
https:// quickbooks.intuit.com/learn-support/en-us/class-list/create-and-manage-your-class-list/00/372505
If you are using QBO Simple Start or Essential, consider to cancel it and open a new blank QBO Plus or Advanced to get the discounted rate.
https:// quickbooks.grsm.io/US
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