Your response was totally unhelpful. My original question was that my beginning balance in QB matches the bank statement. The bank statement ending balance matches the QB cleared balance. I have four debits and four credits in the QB journal. The four debit entries match and equal bank statement debit total. The four credit entries do the same.

The QB ending balance is $60 higher than the QB cleared balance. 

I am the only one who uses QB.  I have no idea where to look for the $60 discrepancy.