I appreciate the detailed information and screenshot you've shared, @BevPayne.
There may be transactions that were cleared from your bank register that's why the Cleared Balance isn't starting at zero. Let me provide some information about the Cleared Balance and help you from there.
The Cleared Balance refers to all transactions in the account register with a cleared status. And that will be every transaction that had a cleared status before you began the reconciliation and which qualified for (appears in) the reconcile.
Every transaction that gets a checkmark added or removed during the reconcile will change the Cleared Balance by the amount of the transaction.
To reconcile your account successfully, you'll have to select those transactions that haven't cleared yet to fix the difference.
You might want to read this article to know more about the reconciliation workflow: Learn the reconcile workflow in QuickBooks.
Keep in touch if you need further assistance with this, or if there's anything else I can do for you. I've got your back. Have a good day.