How do I correctly enter my bank deposits when they download if QB is not accepting the undeposited funds (UF) account as the category?

I am sure that there is something wrong about the way I'm entering the split transactions in QB Online.I first tried to enter each client payment with Undeposited funds as the category but got an error message saying that I needed to choose a bank account.I then entered the details by customer with the bank account but when I tried to reconcile the bank account, the payments showed as deposits in the total but the detailed lines also showed as payments (money out not money in). Needless to say, the bank register was out of balance (although the bank reconciliations looked okay (The back rec screen ignored the detailed payments out)).I then asked for help and was told that the QB system already knew that the payment belonged in Undeposited Funds and was told to change the bank account numbers in the detailed lines to the appropriate income account. I did that. Awesome, I thought. Now my bank reconciliation was good and my bank register was in balance!HOWEVER, I wanted to check everywhere and when I looked at my Undeposited Funds account, it is not being reduced by the payments, Subsequently, my P&L and BS are incorrect. My A/R and  Net income are inflated because it still shows these payments as outstanding. A previous answer I received was to simply exclude the details of the deposit (Payments by customer) in the bank reconciliation. Wouldn't I still have the issue of the inflated Undeposited Funds account?