Hello @Doug-1215
Thank you for reaching out on the community and telling us about your issue. I do apologize for the issue you're having I was thinking about this and thought it might work better to have these set up as two transactions rather than one together. Since both are downloaded I would attempt to try to separate them by changing the category on the memorized payee so that we're able to have them separated. Once separated you should have better control of them.
Please let us know if this helps resolve the issue for you.
Thanks,
Quicken Francisco