I am seeing that the Description section is not showing the correct entries, so the rules are not working.  That being said, I cannot follow your step by step instructions.  The only pencil I see in the bank transactions page is the one on each bank.  It leads to 2 options: Edit sign in info and edit account info.  I don't see a settings screen.  Can you help me with a picture of where I should see the pencil?  Thank you.