Checking account reconciliation? Bank account statement matches cleared transactions. However account is out of balance $13K

Hello there, @lfrench.

There are several reasons why your account is out of balance. Once verified, you can now fix the $13K that is out of balance by following the steps below.

• Outstanding transactions
• New transactions for a connected account
• Duplicate transactions
• Edited or deleted transactions
• Credit card (liability) account

To get this fixed, Let's start by reviewing the opening balance in your account to make sure it's correct. Here's how:

1. Select the Accounting menu.
2. Choose Chart of Accounts.
3. Look for the account on the list.
4. From the Actions column, click View register.
5. Search for the opening balance entry. This transaction should have an "Opening Balance Equity" in the Memo column.  

If there's an opening balance, let's make sure that it has the correct date and amount. While if there's no opening balance equity recorded, you can enter it by creating a journal entry. You can refer to this article for the detailed steps: What to do if you didn't enter an opening balance. 

Also, you can check this article to find out the recommended fix for the mentioned reasons: How to Fix Differences Between QuickBooks Balance and Bank Balance.

If you’re still having problems with mismatched problems, you may also read these articles for further help:

• Fix an Opening Balance to Match a Bank Statement
• Troubleshoot Reconcile when Opening Balance is Correct

If you need more help with managing your reconciled accounts or any other questions about QuickBooks, you can always leave a reply here. I'm always here to help. Take care!