Thanks for getting back to us and sharing more information on your concern, @tandy1000.

Allow me to provide information on how to handle vendor refunds in your checking account register.

Please know that the debit card charge is accounted for as an expense while the debit card refund is considered as an income. On the other hand, you can view your money-out transactions as a bill and credit for the refund on your checking account register. 

Also, since you're having problems reconciling your account, feel free to check out this article: Reconcile an account in QuickBooks Desktop. This will help make sure your QuickBooks transactions match your checking account statement.

Please let me know if you need clarification about this, or there's anything else I can do for you. I'll be standing by for your response, @tandy1000.