Intrest earned in the month of Jul24 was the only trans that took place that month. Checked in blue is 12.55 so why is it saying i'm out of balance w/ -12.55?

There are several reasons contributing to the out-of-balance discrepancy such as incorrect amount, date or account, a mismatch in the starting or ending balance and a previously unreconciled transaction post-June,76tk.

You can start by identifying the most recent ending balance that didn't matched your bank statement. Once you've pinpointed that, carefully review and double-check the account register for any transactions that may have been added, edited, or deleted. Like there are possibilities that there are previous transactions that were left unreconciled:

Another factor to consider is to make sure that the transaction is correctly dated within July not mistakenly recorded in June or August. A misdated transaction can cause the account to appear out of balance. 

To give you more information on how to fix issues at the end of reconciliation, check this out for your reference: Fix Issues at the End of a Reconciliation in QuickBooks Online.

If you wish to streamline or automate your banking transactions, feel free to reach out with our QuickBooks Live Expert Assisted team. They can help you save time, automate and simplify the process for you.

Let me know if you have any other issues or concerns when reconciling your accounts. I'm always around to help you further. Have a nice day: