Allow me to welcome you here in the forum, francis-cwb-desi. I'll help with your questions about adding your card accounts in QBO.
When an account or financial institution doesn't appear as an option for Online Banking in QuickBooks Online, there are a couple of potential reasons:
The bank may not support connections via Open Banking yet. Open Banking allows the sharing of financial data between banks and platforms like QBO. However, not all banks have adopted this system, so QuickBooks can't always access their data.
The bank may not have completed its technical integration with QuickBooks for bank feed connectivity.
If you can't see Zable and Zilch on the list, you can ask for a copy of your banking transactions and import it into QBO. Let me share these articles as your guide:
While not as automatic, manually importing your statement data allows you to get your Zable and Zilch transactions into QBO.
Feel free to reply to me or drop the Community again if you need more help with QuickBooks. The entire QuickBooks Team is always here to lend a hand anytime you need assistance.