Welcome to the Community forum, pearlscuisine2.
If you'd want to include those transactions when reconciling for January 2020, then you can manually enter it on your QuickBooks Online account. Just make sure to follow the date on your bank statement when recording the transaction.
You can visit our Community site articles for guidance on entering the transaction you'd need.
Once done, you're now ready to reconcile. I'm attaching some helpful articles for more information:
Keep me posted if there's anything else I can help you with when reconciling your account, I'm here for you. Enjoy the rest of your day!