Hi @marsha1, I'm here to show you where you can enter your beginning balance for 1/1/20.
Here are a few Community Articles that walks you through the process depending on the situation:
After entering the beginning balance, then you can reconcile your accounts. During this process, you can enter the ending balance in the proper field and match your bank statements to your registers in QuickBooks Online.
If you need further assistance, please don't hesitate and reach back out! I'm always here. Have a beautiful day.