Yes, presently only my checking account is linked so only its transactions are downloaded.
I do think that most people link all their accounts to a single sheet. However, I think that it would be very messy. If I have 4 credit cards each with 15 transactions per month so I will have 60 transactions from my credit cards. Add this to the 30 checking account transactions that are not the 4 credit card transactions (e.g., direct debit by my utility companies, streaming services, etc.) and I will have almost 100 transactions to not only categorize, but to adjust when they appear twice (each credit card total payment will appear as a checking account transaction and then the individual transactions will appear). Thus, I must adjust each credit card total payment to be ignored (?) so that I only have the itemized credit card transactions. While I am still a novice, I do not think that AutoCat will help me much with this. This is the big problem with expense tracking, there is no quick way to do it. AutoCat helps, but I think it would be a time intensive manual categorizing effort if I tossed in my credit card transaction.
That is the reason I am thinking of doing the credit card transactions in a second spreadsheet. I can test how much manual effort is needed to categorized items. If it goes better than I expect, I can dump the second spreadsheet and start using only one.
I do not say that my approach is better than others, but it has allowed me to start with Tiller in a simple fashion and then take another step as I see everything working easily.