The issue remains to be solved.  My business is rather small, so I've been using other free online accounting program (Wave) without any issues on BoA credit card account.  I recently switched to QBO, and started having problem. 

I created one parent account (say, BoA-CC) manually and made all the BoA online account as the sub-account of the BoA-CC.  This way, the parent account (BoA-CC) is kind of okay, but the subaccounts are always of balances unless I manually create a transaction between these accounts.  I can't even run reconciliation on the individual accounts. 

I may need to go back to Wave at some point.