I have to give credit to this video right here https://youtu.be/U1iyaR4-_wA?si=AqJKmJf0T3z_C7Sq

I have been dealing with the chase bank issue that the original author of the thread has been dealing with. But only for the last two months. I will list below how my cards are setup.

Chase Credit Cards (just an unlinked account accountant created)

     SA1 - The main corporate card in my name (linked online)

     SA2 - My one employee credit card (linked online, technically a sub card of SA1)

As the original thread author said with how his works. All debit transactions will download and you then categorize them for each card. And you can also reconcile them as well. The moment you categorize the debit transactions on SA2 it shows a QBO balance matching those transactions. But the bank balance says $0.00. Because the debit actually goes over to SA1 in reality. For chase bank SA2 never holds a bank balance. It always goes up to SA1. And you're only allowed to make payments to SA1 because SA2 does not hold a bank balance. And as the original thread author said, your QBO balance for SA2 never changes and ultimately your SA1 QBO balance becomes negative What ever the balance of SA2 was.

The fix is so simple, again credit goes to the woman in the video. After you reconcile your card balances for the month and you want to correctly record your payments do this.

Go to Credit Card Register

   - From the drop down menu select an employee CC

   - In the upper left where you see add transfer drop down menu

   - Put the amount under the payment section

   - Select the main corporate card to transfer it to

   - QBO online balance now matches the bank balance for both SA1 & SA2.

   - Now your payment to your main Chase CC (SA1) matches the balance of the card both in banking and QBO

Also she states with this method you do not need to make these cards sub accounts if you don't want to. My accountant already set mine up that way so I left them. 

I really hope this helps everyone. It was such a huge stress relief for me.

   - Employee credit card QBO balance goes to $0.00