Re: "I see no way to create a refund check or credit memo the...
It's my pleasure helping you out, @jmlover87.
Yes, you are correct. You don't need to keep the refund receipt since the transaction has been recorded in the check and keeping it will affect your bank balance, not the customer's balance.
I'm including here a video tutorial about using QuickBooks Online, so you can explore its features and processes of handling transactions.
You can always post here in the Community if you have any concerns with QuickBooks. I want to ensure you'll be taken care of. Wishing you and your business continued success :)!