Hi 1433092075
Thanks for posting on the Community - we'll be happy to clear this up for you.
The top figure is synced directly from your online bank - the 'all caught up' message means that we've recently refreshed this to show your latest live balance and transactions.
The 'In QuickBooks' balance is the total of all transactions that you have posting to that account in QB. For example, any transactions in the 'For review' banking tab won't be reflected in the 'In QuickBooks' balance until they've been reviewed (added or matched). You can also create transactions and journals that post to the account manually (via the + New button) which would impact the balance.
After you've finished reviewing your transactions, the total in QuickBooks should match the live bank balance - if they don't, you'll need to review the account using our reconciliation tool. This helps to identify any missing or duplicate transactions that you can then take note of to delete or enter. :)
