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Let me provide some information about why your bank balance is not matching your QuickBooks Online (QBO) balance, jeff-mattingly.
There are several factors may cause the balances to vary between your bank account and QBO. Among these are the following reasons below:
To resolve this balance difference, you can check this article for the recommended troubleshooting steps: Fix beginning balance issues if you've reconciled the account in the past QuickBooks Online.
For more details about reconciling your account, please refer to these articles:
Learn the reconcile workflow in QuickBooks
Fix issues when you're reconciling accounts in QuickBooks Online
I've got a link here that provides you with articles about managing your bank transactions: https://quickbooks.intuit.com/learn-support/en-us/banking/07?product=QuickBooks%20Online.
Keep me posted if you need a hand with importing your bank data or any QBO related. I'll be here to help. Wishing for your continued success.