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I have seen something like this happen in a few instances.  Let's say you download early in the day, and later transactions show up.  This is why I never download until the following day.  I say just add in the missing transaction.  I have heard of others having a problem with multiple card holders settling to one acct.  I think you are supposed to set them up separately in the Chart of Accounts and download them separately.  I have a client with Bank of America and I end up entering them manually because she only has a few transactions.  I reconcile it as one card.

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