Are Customers in balance summary with a credit balance added into the final total

Hello, @reedpools.

Based on your post, it seems that you have already found the solution to your issue. Just to provide additional information, the Customer Balance Summary report includes customers with credit balances in the final total. This report gives an overview of customer debts and overpayments, including the amount due by the customer or the credit amount.

If you want to know how to send statements to show customers summaries of their invoices, payments, credits, and balances, you can check out this article: Create and send customer statements in QuickBooks Online.

Please don't hesitate to let us know if you need further assistance with your customer reports. We're always here to help.