all I'm suggesting you do is record it to undeposited funds - with all your info the same - and then someone comes in and deposits groups of transactions using that value as the key - then you wind up with separate customer payments matching how they believe they paid you - and a single transaction into your bank account which will match your bank reconciliation.

Sorry to keep probing, I'm trying to figure out the best way to handle this.. it seems okay.. can I do this via CSV import?

No, probably not

scripting?

Looks like it: https://system.na1.netsuite.com/help/helpcenter/en_US/srbrowser/Browser2019_2/script/record/deposit.html

Thank you again