Hi hayslaw,

Let's run some steps to isolate what causes the beginning balance discrepancy. You can run the Reconciliation Discrepancy report to locate the transaction that causes the discrepancy. Here's how:

1. Click the Reports menu.
2. Under Banking, select Reconciliation Discrepancy.
3. Select the Account.
4. If you find a discrepancy, note the transaction date and the Entered/Last Modified, which will tell you when the change occurred.

If the balance is still off, you can run some data damage troubleshooting steps to fix this issue further. Here's an article as your guide: Fix beginning balance issues in QuickBooks Desktop.

Let me know if there's anything that I can help. Keep safe!