I'd be glad to help with your concern about banking, gipsonwell-gmail.
QuickBooks Online gives you the option to create a bank account without syncing it up with your financial institution. I'd be glad to share these steps with you:
Go to the Accounting menu and select Chart ofAccount.
Click New in the upper-right hand corner.
Select Bank in the Account Type, then choose a DetailType.
Enter all other details such as the beginning balance and name of the account.
Click Save and close once finished.
After adding the bank, you can manually import and categorize the transactions, Check out these articles for more details: