Hi Lynda,

Thank you so much for sending me the link to your video.  I did watch and it was very clear.  I simply deleted the opening balance that QBO created.  I now have as you did in the video a balance of zero when I go to reconcile.

My question now is maybe a silly one.  I opened the bank account with $100.  I was assuming (before watching your video) that this was my opening balance.  But yoyr video made it claer to me that an opening balance is obviously a zero balance.  The first transaction of course is just that...a first transaction.  AM I correct?  That minimum $100. dollar deposit used to establish a bank account is not an opening balance.   It is simply the first transaction recorded?