We appreciate you for bringing this matter to our attention, Yesterday. Let me help you resolve your issue about your bank balance in QuickBooks Desktop (QBDT).

There are some possible factors why your bank balance is off. These include voided, deleted, or changed amounts to previously cleared or reconciled transactions.

Thus, we can pull up the Reconciliation Discrepancy report and the Previous Reconciliation report. Doing so could help us identify some changes or discrepancies with your data.

First, let's run the Reconciliation Discrepancy report. This report contains a list of transactions that have been modified since the last reconciliation.

1. Open your QuickBooks.
2. Go to the Reports menu and select Reports Center.
3. Enter Reconciliation Discrepancy on the Search bar.
4. Double-click the report and select the bank account on the Specify Account dropdown. Then, hit OK.
5. Modify the report period if necessary and check for some changed entries.

Next, let's utilize the Previous Reconciliation report. You can compare the data from this report to your past statements from your financial institution.

1. Go back to the Reports menu and select Reports Center.
2. Enter Previous Reconciliation on the Search bar.
3. Double-click the report and select the bank account on the Account dropdown.
4. In the Statement Ending Date section, choose the reconciliation period you need to review.
5. Tick Both from the Type of report section.
6. In this report, include selection, choose the Transactions cleared plus any changes made to those transactions since reconciliation.
7. Once done, hit Display.
8. Modify the reporting period to display specific data if needed.
9. Review the report to check for discrepancies or issues.

If you can spot any discrepancies, you might need to (refer to your bank statement):

• Enter missing transactions.
• Edit existing transactions.
• Undo a previous reconciliation and redo it.
• Ignore the discrepancy and let QuickBooks enter an offsetting adjustment.
• Contact your financial institution about a banking error.

However, if there are no changes or issues with your reconciled transactions, I recommend verifying and rebuilding your data in QBDT. This tool can help identify and fix some company file damage.

Also, you may review this article to help you navigate with QuickBooks seamlessly: View all help - QuickBooks Desktop.

Feel free to keep us posted if you have more QuickBooks-related queries. We're always available to assist you.

The registers for all accounts, including this bank and others are fine.  Downloads work fine and reconciliation.

I've verified data, rebuilt data, removed QB and reinstalled, deactivated all accounts with this bank and reactivated.  The problem remains.  The other two accounts with this bank bring in the proper bank balance.  It's the CD that continually comes back with Zero after every download and reconciliation (which is perfectly fine in the actual QB registers).  See Pictures.

Adding attachment again.

Adding Attachment again (PDF)

Thank you for your prompt response to the thread and the additional information. Let me help you with your bank accounts. 

Since you've already done the steps to fix this issue. I suggest contacting our support to investigate this issue further. 

Here's how: 

1. Open QuickBooks.
2. Go to Help, then select QuickBooks Desktop Help/Contact Us.
3. Select Contact Us. Give a brief description of your issue, and select Continue.
4. Sign in to your Intuit account, select Continue, and then Continue with my account.
5. We'll email you a single-use code. Enter your code and select Continue.
6. Select to chat with us or Have us call you.

Moreover, I'd like to share these articles that you can check in the future: 

• Update QuickBooks Desktop to the latest release
• Fix issues when QuickBooks has stopped working
• Learn the reconcile workflow in QuickBooks

I'll be here if you still have questions about your bank accounts. Take care.