I linked my square but it wants an account that square holds money before transfers?? I have no idea and I cannot get chat to work

I'm here to help, @mommaknowsbestmk.

When you sync the Square app into QuickBooks Online, the system will automatically download the transactions for you. Then, Square may need to create an account where to deposit and tracks your Square sales, expenses, and fees. For more info, please see this article: Sync Square with QuickBooks Online. 

Also, to connect to our phone support team, you can access your QBO account using a private mode. There are times when the cache and cookies in your browser may be corrupted which leads to navigation issues. The following are the shortcut keys you can use:

• Google Chrome: press Ctrl + Shift + N 
• Mozilla Firefox and Microsoft Edge: press Ctrl + Shift + P
• Safari: press Command + Shift + N

Once signed in, go to the Help menu and select Contact us. If this works, clear your regular browser cache. This is to remove the damaged and corrupted files. 

You can also use this link to get in touch with them. Let me guide you on the process:

1. Head to the Contact support page at this link.
2. Choose QuickBooks Online. 
3. Click on Search for something else and enter Sync Square to QBO. 
4. Hit Search.
5. Select Start a Message.

Then, to make sure your real-life bank balance matches what is in QuickBooks. Please head to our Reconciliation hub for the step-by-step guide.

Let me know if you need further assistance syncing your Square app to QBO. Just post a reply below, I'm always here to help. Have a good one.