Good day, @tcr4ever39. I'd be glad to share insights about account balances in QuickBooks.

Once you create subaccounts, their total balances are added to the overall bank balance of the parent account. However, the totals of subaccounts don't equate to the complete balance of the parent account. This is because transactions posted within parent accounts are also added to their total balance. This can be the reason why you its total doesn't equate to the total balances of your subaccounts.

To check, I'd suggest opening the parent's account bank register and review each transaction. This will help us identify the possible cause of discrepancy in your account. Simply go to the Transactions menu and select Chart of accounts. Then, look for the parent account and click View register. 

Once done, you can make any necessary corrections to correct the total balance of your parent account. You can also reach out to your accountant to help review your books in QuickBooks.

I've also added this resource about managing default or special accounts in QuickBooks: Manage default and special accounts in your QuickBooks Online chart of accounts

Please let me know if you have additional queries about balances in your Chart of accounts in QuickBooks. I'm always here to help. Have a good one.