Thank you for asking in the Community, @jfolk.
I'd like to share some insights about changing your bank transactions. If the expense is showing as transfer on your bank register, you will have to delete this transaction and manually create either an expense, check or bill payment in QuickBooks.
However, if this transfer is automatically downloaded from your bank, you'll need to undo the accepted transaction and update it with the correct category. You can learn more about this through this community post: https://quickbooks.intuit.com/learn-support/en-us/banking/how-do-i-change-a-bank-transfer-to-a-payme....
Additionally, you can check this related article for more details: Assign, categorize, edit, and add your downloaded banking transactions.
Know that I'm always here if you have other questions or concerns. I'm always here to help. Have a nice day!