Thanks for that, and I do understand how that works. But what I'm saying is I transferred $40 out of an envelope into the main QB checking balance, and that $40 dollars shows in the envelope history as having been transferred to the business checking (which is the Quickbooks checking) and in the total balance removed the $40 dollars entirely. To test I tried again by moving just $1 to the main balance, and then the $41 total showed up there, with no transaction trail in history accounting for the $40 ever having been added back to history in main balance, but the $1 did. So I then decided to move all of the different envelope monies to my physical bank checking via ACH transfer. They all went through, accept one for $119, which now shows as Achout Pending, but for some reason still shows in the envelop balance even though you can see the transfer out in the transaction history. None of this is making sense and I don't trust it so I'm just going to use my physical bank. Should the $119 still process? The others all did right away, so why is that "pending."  Also, the $0.16 in the envelope called "Estimated taxes" says it isn't really there when I try to transfer that. Frustrating time with this software.