I have a "needs action" but it will not allow me to update without bank record, any ideas?

Let me help you clear out the notification, kaylalikestoswim.

A "needs action" notification shows up if a forwarded receipt is not a match to any transactions you have in QuickBooks Self-Employed. If the bank is connected to Online Banking, you'll need to wait until QuickBooks download the transaction from your bank. 

QuickBooks will automatically download transactions every night. If the transaction is already cleared in your bank, follow these steps on how to manually refresh the connection:

1. Go to the Gear icon and select Bank accounts. 
2. Click Refresh all.

Once done, go back to the Transactions tab and check if the banking transaction is already downloaded. Then, click the notification again and provide the missing information. 

You can also check out these articles for more details and additional guidance:

• Forward Receipt Images To QuickBooks Self-Employed
• Categorize Transactions In QuickBooks Self-Employed

As always, feel free to visit us again if you need more help with QuickBooks.