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.