There are several reasons why you're unable to transfer your QuickBooks balance to your bank account, Theresa. Allow me to elaborate on it further.

Before we proceed, could you clarify where you saw the $4,900 balance? Did you encounter an error message while attempting the transfer? Additionally, what type of transfer are you trying to make? Are you using the QuickBooks Transfer Funds option, or are you using another transferring method? This information will help me provide a more accurate solution.

To begin with, if you saw the amount in the Chart of Accounts, it’s possible that the balance reflects transactions you manually created and those added from your bank, such as journal entries or deposits. This could indicate the amount is just an accounting entry and not actual funds available for transfer. It’s important to review the source of those transactions in the Chart of Accounts.

Another possible reason for the issue could be the transfer method you’re using. If you’re using the Transfer Funds option within QuickBooks, keep in mind that it only allows transfers between accounts within QuickBooks.

Feel free to reach out if you have additional questions or need further help.