Have your bank statement. The beginning balance of 1/1/15 needs to be recored in QB. Go to Journal entries, the first line enter your bank account from the drop down menue, debit the account for the beginning balance. Enter the 2nd line Beginning Balance (which is an equity account) credit the same amount. IF this doensn't work, reconcile the first month, the ending balance will be different not reflecting the beginning balance of the first statement. Click reconcile and it will create the entry for you. Hope that helps,

M.E.