Hello there, @bloodstainedmen.
I'm here to help share information about classifying banking transactions in QuickBooks Online (QBO).
We can only automate the memorizing/categorizing banking/downloaded transactions through bank rules as mentioned above. However, as of now, there isn't an option to automate the class assignment to separate the net amount from the fee portion to its appropriate class on the banking page. To classify the transactions, you may need to do it manually and individually.
For more information about assigning, categorizing, editing, and adding downloaded banking transactions, you may check this article: Assign, categorize, edit, and add your downloaded banking transactions.
Please don't hesitate to add a comment below if you have any other banking questions, I'll always be here to help. Wishing you the best!