To make a match, QuickBooks looks at the:
Check numbers. If these match, the transactions may match.
Amounts. If the amounts are the same, the transactions may match.
Dates. If the transaction was recorded in QuickBooks within a few days of it clearing the bank, the transactions may match.
Payees. If the payees are the same or if the payee in the downloaded transaction has a renaming rule to a name in QuickBooks, the transactions may match.
Downloaded transactions that correspond to a transaction in this account in QuickBooks are marked as matched. If QuickBooks can't find a matching transaction in the register, the transaction stays marked as unmatched.
Correcting an unmatched transaction