God day, @diane46.
If this is business-related, you can track the bank fees as Commission and fees.
However, if the transactions are downloaded and not business-related, you can categorize this as personal.
But if the bank is not connected, you don't need to track those bank fees in QuickBooks Online Self Employed because we can only track the business income and expenses.
I highly suggest consulting an accountant to ensure that your estimated taxes are accurate and for accounting advice also.
For your future reference on how to sync, match your bank account QuickBooks account, and other related topics, please check this article: Bank feeds.
If you need anything else about your account, please don’t hesitate to leave a comment below. We are here to help.
