Good day, aduncan2005.
Welcome aboard in the Online Community. Helping out with effectively managing your transactions is my priority.
In QuickBooks Online, you’ll still be able to keep track of your checks and deposits without using the Online Banking feature. Just make sure to enter them regularly for your records to be in order.
You can reconcile an account in QBO to match the transactions on your monthly bank statement with the transactions entered into your account. I recommend performing the process when you receive each period's statement.
I'm including a link with additional helpful information on reconciling: How to reconcile accounts. To manage your records effeciently, I'm including a link to our video tutorials in QuickBooks Online.
Thanks for giving me the opportunity to help. Please know that I'm just a comment away if you have concerns working in QBO. Have a good one.