No that isn't it. Following the directions, the final step is to select Bill to be Paid and then select the bill, which is supposed to be a refund, accept there is nothing there to select. There are no bills, as I haven't entered anything other than this refund and there is nothing else there to select.

There at least should be a deposit showing under my checking, there isn't. There should be credit showing under the insurance expense account, there isn't. There is nothing showing anyplace. Zip. Zero. Nothing.

Now I can scan back to see where I entered it under Bank Deposits. I can also scan back to see where I entered it under Enter Bills. In each case I've checked it multiple times to be sure I clicked every box, entered very account, and still nothing in showing up in the accounts that should get credits and debits. 

GAWD, this would be so much easier if QB allowed you to just receive the money and maybe select refund. It would then show in the Bank Deposits with all the other receipts I've gotten.