My Quickbooks account has less money in than my bank account. Should they both be the same? How do I correct this problem?

Let me guide you on how you can correct the money that you have in your bank and QuickBooks, 

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The money that you have in your bank account must be the same as in your QuickBooks account. You'll want to make sure that you've matched the downloaded transactions correctly to those you've already entered in QuickBooks so that you'll have the same balance. To do this, follow the steps below:

1. Find a downloaded transaction with the Match option in the Action column.
2. Note the Date, Description, Payee, and amount spent or received.
3. Select the downloaded transaction to expand the view.
4. Review the Matching records found in QuickBooks. This is the possible matching transaction you already entered in QuickBooks.
5. Select the link next to each match to get more details.
6. Make sure this is the correct match. In particular, review the Deposit to, Payment method, and Bank account fields on forms for the existing transaction in QuickBooks.
7. If this is the correct match, close the open transaction.
8. Select Match.

At the same time, ensure that the opening balance entered when you start to record the transactions is correct. Make sure to pick a day to start tracking your transactions. If you don't want to connect your account, you can manually enter the opening balance. Here's how:

1. Make sure you know the amount you need to enter for your opening balance. Tip: You can enter opening balances for accounts you just started at your real-life bank, or ones you've had for a while.
2. Go to Settings ⚙ and select Chart of accounts.
3. Select New.
4. Give the account a name, an account type, and a detail type.  Tip: Here are detailed steps for creating a new account.
5. Choose when you want to start tracking your finances. In the Balance field, enter the amount in the account, and determine the as of date. Enter today's date if you want to start tracking immediately.
6. When you're done, select Save and Close.

Although, QuickBooks automatically downloads historical data up to a certain date once you connect your account. Then, totals them up and enters the opening balance and date for you. Please read this article for more information: Enter An Opening Balance Account In QuickBooks Online. 

Also, once you have your monthly or credit card statement, you can start reconciling your account. I've added this article for your guide: Reconcile An Account In QuickBooks Online. 

Please touch base with us if there's anything else that you need help with the money you have. We're here to make sure that you get the help you need.