I am well aware of how beneficial it is in your business, @joefake1. Let me lay down the steps so we can create parent and subaccounts. 

If you already have the Parent account in the Chart of accounts, we can directly add our subaccount. 

Here's how: 

1. On the left panel, click Chart of accounts under Transactions. 
2. Select New.
3. Add and Account name. 
4. Under Account type* select Credit Card.
5. Tick the box beside Make this a subaccount.
6. Select the Parent account and fill out the necessary field. 
7. Hit Save. 

After saving the subaccounts under the parent account, we can now see the sub-accounts that are slightly indented and the sum of the sub-accounts is represented by the main account. 

Furthermore, you'll want to check this article and learn how to make accounts inactive from your chart of accounts: Make an account inactive on your chart of accounts in QuickBooks Online. 

Please let me know if you need anything else in managing your chart of accounts and any QuickBooks-related queries. I'm always here to help. Keep safe.