I am having the same issue.  Beginning, ending, cleared, payments and deposits all match the bank statement - it's perfect!   But QB has a -$427.89 difference.  I have gone through transactions one by one, and I can't see where the problem is.  I have tried to account for any timing issues (saw that once) but I'm completely at a loss to know what to do next.  I'm stuck!!  And new to this whole thing.  Please help!!  Thank you in advance for your help!