did some more testing

it seems that because these were put in with trnstype BILL

it has to be paid by trnstype Bill Pmt-Check and all is good

my templete says     Bill Payment (Write Check Against AP)

but it goes in as trnstype Check 

its there another templete that the trnstype for payment is Bill Pmt-Check

i could have this one company fix and get to 3 others if i can just get the right templetes to post my transactions