We have a bank transaction pulling in of $71k spent - but that $71k needs to be matched to 3 JE's - 2 are credits to the bank GL and 1 is a debit. I can't add the debit.

Thank you for sharing detailed information about the issue. I understand you encountered missing transaction in QuickBooks Online.

I would like to clarify what accounts are affected or missing, so I can provide you the exact resolution to the problem. 

Feel free to add your comment below, I'll ensure to resolve this as soon as possible. Have a nice day.