Thanks for the clarification, @nappybeth.

I’m here to add some insights about bank balance in QuickBooks Online (QBO).

QBO depends on what your banking institution shared and what you’ve recorded. Since the payment is dated to future dates, it’ll show as negative credit until you match it with a transaction.

That being said, it shows those payments in your dashboard so you can easily track it in your QBO account. To learn more about bank balance in QBO, feel free to check out this article: Fix beginning balance issues if you've reconciled the account in the past QuickBooks Online.

Also, I recommend working with your account for further guidance in properly recording it in your QBO account. This way, we can guarantee your accounts is well accounted for.

Let me also share this article that you can use for your future reference in reconciling your accounts effectively: Reconcile an account in QuickBooks Online.

Tag me in if there’s anything else I can help you with on managing your bank balance. I’d be more than happy to help you out. Keep safe.