It's great to see you here, jenna_schles.
Let me show you how to properly set up your bank accounts.
We need to check first how your bank sends the transactions. We only need to add the account which your bank sends them. You may verify this with your bank's support. However, we need to add all the individual accounts if the transactions are posted to each account. I have an article here for your reference about bank or credit card subaccount setup.
Also, this article will show us how to create subaccounts in your chart of accounts in QuickBooks Online.
In addition, you also have an option to manually upload the bank transactions. This is very helpful and applicable especially if there are missing transactions or if the bank won't download them.
I've added this link if you need assistance with reconciling your account: Reconcile an account in QuickBooks Online.
Please keep your posts coming if you need more help. Wishing you all the best and keep safe!