Hi there, @bchahne.

To help you sort things out. Yes, you'll need to create a new deposit for the $15.

Performing this will allow your account to show that there is a bank fee deduction from your $9500 payment. Also, you're right, you can delete it, recreate it, and reconcile it without changing anything on the same day.

Moreover, I also recommend reaching out to your accountant for guidance.

Check out the guides here if you need help with your past reconciliations: Fix issues for accounts you've reconciled in the past in QuickBooks Online.

If you need additional assistance with managing your invoices or account, don't hesitate to reply to this post. I'll be willing to extend a hand, Keep safe and enjoy the rest of the week!