@Jen_D Thank you so much for your quick response ! I truly appreciate it :) As you can see I am a newbie and II am so glad to have found this community. I'm such a newbie. Let me tell you my  situation, we have a LOC set up already and we use to transfer money to our checking acct. When we pay the LOC, I have been creating a Bill. I didn't know about the "transfer funds". Currently our  LOC in QB shows a totally different amount than what I show in our bank statement. So is my " ending balance" in QB for the LOC, supposed to match my bank LOC account? 

I am so lost.