I know what it is, I am having the same problem. If you have a bank feed, it presumes you will get fees or interest in that feed... but this bank doesn't and I have to enter it manually.  When I look at an closed account that no longer is getting bank feeds, the interest/fee area is there on the reconcile....useless.

But, if I use the 2nd option, a difference will appear in a negative of the same amount that was entered in the Interest Earned spot of Begin Reconcile

But, if I use RUSTLER'S (Sept 26,2019) 2nd option, a difference will appear in a negative of the same amount that was entered in the Interest Earned spot of Begin Reconcile

My interest field doesnt show either. but i am able to solve my problem. If you have online banking integrated into your QBO, go to the banking page. If you earned interest in savings, you will have a deposit from the bank that you can accept as interest earned. It will then be there in the list of deposits when you reconcile. If they charge you interest, accept it from the banking as interest expense. It will again show with the expenses and you can then include it so that you get a balanced reconcilliation.

So to summarize, make sure you have an entry for either an interest earned or interest expense. It will then show in your reconcilliation on the second page in amongst the other amounts.