How can I add a bank and/or cc without linking them online to the bank? My client does not want that.

Hi rob-rwoodcock-ca,

Welcome to Community!  QuickBooks Online understands that not everyone will want to operate their business as others may choose.  With banking being a vital part of any business, we've considered all aspects and have features that are specific to your company needs.  I'll be happy to help!

When the Company file is created, QuickBooks will automatically customize the chart of accounts.  However, you can add additional accounts so you can track other types of transactions.  You'll also have the option to manually upload the transactions without connecting the account to QuickBooks Online.  

Here's a couple of helpful guides for each process;

Add an account to your Chart of accounts

Manually upload transactions into QuickBooks Online

Please don't hesitate to contact us if you require additional assistance. 

Schedule a Callback or start a Chat: click (?) Help in the upper right in QuickBooks Online > enter "Contact support" > hit Contact Us > provide a brief summary of your situation > hit Let's Talk > choose Get a callback or Start a Chat.
Social Media: Facebook, Twitter, and Instagram.
Support hours are from Monday to Friday between 9 a.m. and 8 p.m. ET.

Feel free to let us know if this has been solved.  Your success is important and we're always pleased to help!