It's good to hear from you, jlbrooksconsulti.

To record the fees and finance charges, you can create a Bank Deposit. You'll use an Income account if you don't have an invoice involved. However, if you have an invoice, use the Accounts Receivable. Enter the full amount and the customer's name. Add another line item for the small fees and use an Expense Account, then enter the amount as negative.

See the steps below for your reference:

1. Click Banking at the top menu, select Make Deposits.
2. In the Payments to Deposits window, select the payment/s that was deposited separately, then OK.
3. In the Make Deposits window, on a blank line, select the overstated income account from the From Account column drop-down.
4. Enter the negative amount in the Amount column. Make sure the Deposit subtotal is zero.
5. Select Save and close.

You can learn more in the following article below: Deposit payments into the Undeposited Funds account in QuickBooks Desktop.

If you have any QuickBooks questions besides this topic, please feel free to let me know by adding a new comment below. I'll be right here to help at any time. Have a wonderful day!