Thank You, Giovann_G, for responding...

The only thing useful was to use the "Express Mode"

I LOVE how you're pushing the blame to the Bank (& the bank, of course, will blame QB)

ALL I know, before I was forced to make this change (for an understandable reason), QB's stated Amount in Bank matched perfectly with the Bank's cleared (posted) transactions.

In the meantime, now I HAVE to log into my bank every day (with their stupid two-factor authorization) to get the actual balance  :(  Worse, I'm getting the impression QB really doesn't care (at least not for the Desktop users - who they are frantically trying to switch to online)  :(
Once again, Thank You!