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I'm thrilled to have you here, @info-urbansteelw.
Let me help you clear things up about the In Bank balance and QuickBooks Balance.
If your QuickBooks balance doesn't match your actual bank balance, several factors may cause this. Below are the lists of reasons:
Moreover, QuickBooks balance is affected by all your transactions in the register and the ones you haven't reviewed yet. While the bank balance is solely determined based on the transactions on the register.
Additionally, to help you manage your bank transactions, you can read these articles:
Don't hesitate to post again here if you have other questions or concerns with QuickBooks tasks and navigations. I'm always around and happy to help. Take care and stay safe!