Currently If I add a discount for credit card charges it automatically goes into my Merch Card fees expense account. On large transactions (over $1000) I offer a 1% discount for payment by check. If I enter thet discount in the record payment window, bank charges, this discount expense applies to the Merch Card fees expense account.

I wish to be able to direct that discount into a different expense account specifically for the discount for payment by check.

I do not know until payment time how people are going to pay, by credit card or check. I wish to avoid going back into the invoice to alter figures there. I do not see a way to configure the bank fees not to choose which account on the fly to place the bank fees in.