How can I change a bank statement ref no. type from "transfer" to "deposit"

Hello there, @wcstocum. I can help you how to change the Transfer to Deposit under the Bank register in QuickBooks Online. Let me show you the way. 

In this scenario, you would need to remove the transaction labeled as a transfer from the register and then, generate a new bank deposit that impacts the account into which you wish to make the deposit.

Here's how:

1. Go to Chart of Accounts, select the Bank Register page, and locate the transfer.
2. Click it, and press the Edit button.
3. Once the transaction is open, tap the More option and choose Delete.

Following the steps will allow you to remove it and enter a bank deposit.

See the steps below:

1. Click the + New and choose the Bank Deposit.
2. Enter the account, date, amount, and other details.
3. Once done, press the Save and New.

Lastly, you may refer to this article to see steps on how you can reconcile your accounts to avoid discrepancies: Reconcile an account in QuickBooks Online.

Let me know if you still need assistance in reconciling your account. I'll be here to guide you. Have a fantastic day.