Welcome to the QuickBooks family, azimkarim.
You're right in recording bank service charge as an expense. As for handling class or customer, it depends. If it is for a job or customer, then you'll need to enter, if not you can leave it blank.
Moreover, in QuickBooks Online (QBO), the Project feature works like Job Costing in QuickBooks Desktop. This feature helps you to be organized and track all moving parts. On the other hand, you can also use the Class tracking feature to help track income, expenses, or profitability by business segment.
To have a better view, take a look at these articles:
If you have other questions concerning QuickBooks, let me know by commenting below. Iβm here to help. Have a great day!
