I am so confused regarding bank reconciliation my quick books bal.and actual.are so far out ,not sure what to do

I can see how hard this unmatched bank and QuickBooks balance have made things for you, Maags. Let me provide some insights about the difference between the two and together, we'll work towards sorting this out. 

To start off, QuickBooks balance represents the cumulative total of all the bank transactions that you have manually added or matched within QuickBooks. It serves as a reflection of the financial activity recorded within the QuickBooks system. On the other hand, bank balance refers to the actual balance provided by your bank during the last bank feed update. It represents the real-time status of your account as reported by the financial institution.

Since they're not matching, there are several factors that have caused them not to. To mention: 

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

Based on the factors mentioned above, there are various steps you can take to resolve the issue you're facing. To assist you further, we have prepared an article that outlines the specific steps required to address each of these factors and adjust them accordingly: How to Fix Differences Between QuickBooks Balance and Bank Balance. 

Additionally, maintaining accurate financial records requires a properly structured and accurate chart of accounts. It is essential to ensure that all accounts that impact your Balance Sheet have an appropriate opening balance. To assist you in this process, we have prepared an informative article that provides step-by-step instructions on how to generate and manage opening balances for various types of accounts: Enter and manage opening balances in QuickBooks Online.

Please get back to us whenever you need extra help in managing your bank balance and QuickBooks balance. I'll be right here to provide some more information to make sure everything is accurate. Keep safe.