Glad to have you here in the Community, @a1-shutters.
There are some possible reasons why your bank balance is short. Here's a list of some of them:
To get this resolved, let's run the 2019 reconciliation report to review the transactions. Here's how:
If you find any discrepancy in the report, feel free to follow each step in this article to fix the issue: Fix issues during a reconciliation in QuickBooks Online.
Most importantly, I still suggest seeking help with your account for more guidance.
Keep in touch if you need any more assistance with this, or there's something else I can do for you. I've got your back. Have a good day.