You don't need to use JE for Banking. You already have Banking tools: Deposit or Check. If you never made the initial entry, and you had money to start with, you use Deposit. I never use JE, or OBE. You know the Real Equity is Real, not OBE. Once the file exists, you never use OBE directly and it should be 0 and never used again, if used at all to start a file. Make your Own, real, entries.