Thank you for your response.  So I just want to confirm that I started qb with a starting balance in the checking account (for example 20,000 on 12/31/21) which I cleared.  Do I now unclear that opening balance amount and change it to (for example 10,000 which is the balance on 12/31/20). Since I will now be entering all transactions for 2021.

Also then can I reconcile 1/1/20 to 12/31/20 all in one bank rec. with the starting balance as 10,000 and ending balance of 20,000?