Issue with US Bank Central Billing Account in QuickBooks Online

Thank you for your providing a thorough description of your concern, Jeremy. Let me guide you through properly setting up your business accounts and reconciling them so your records remain accurate.

In QuickBooks, the most common way to set up a bank account or credit card account with multiple associated cards is to create a parent account, and then set up each individual card underneath it as a subaccount. I'll show you how.
 

1. Go to the Gear icon and select Chart of accounts.
2. Click New.
3. Enter an Account name.
4. Select an Account type, and then choose the Detail type from the dropdowns.
5. Tick the Make this a subaccount box if this account is a subaccount, then choose the Parent account it should be under.
6. If you choose a Bank, Asset, Credit card, Liabilities, or Equity account, enter Opening Balance, and fill out the starting date in the As of field.
7. Select Save.
    

From your Chart of Accounts, the parent and subaccounts look like this:



If you have an additional account that transactions such as payments come into, you may need to add one more subaccount, and should be look like this:


 

When it’s time to reconcile, you only need to reconcile the parent account because all transactions in the subaccounts roll up into it. Here's an article for a step-by-step guide: Reconcile an account in QuickBooks Online.

Additionally, you can check out these articles for more details about managing credit card account with multiple subaccount: About bank or credit card subaccount setup.

• Learn the reconcile workflow in QuickBooks
• View, print, or export a reconciliation report
   

Please reply to this thread if you need further assistance with banking concerns. I'm here to help you.