This does not solve my problem.  That is, I want this to work as well as it did in Desktop.  Previously in Desktop, if I received a customer payment that was less than the invoiced amount due to a wire fee, in Customers I would enter the amount received, and apply it to an invoice and indicate it was deposited directly into my checking account,.  QB would notice it was less than the invoiced amount, and ask a simple question: Save as an underpayment, or bank fee.  I would click bank fee and be done.  No need to go to the Bank Deposit.

So now you're saying I have to take several ADDITIONAL steps using QBOnline (which I was essentially forced by Intuit to switch to because of your pricing policy)???   Why should I have to take additional steps in QBO vs what I did in QB Desktop????

Is there a way to have QBO behave the same as I described above for Desktop??