What does "in QuickBooks" mean in the banking tab account card

Hello there, @PeterSM.

Let me help you clear things up. The QuickBooks balance is affected by all your transactions in the register and the one you haven't reviewed yet. While the bank balance is solely determined based on the transaction on the register. 

Now to fix this and if you want to make sure they're equal, let's consider categorizing and matching your downloaded transactions based on your bank statement. You can do so by following the steps outlined in this article: Categorize and match online bank transactions in QuickBooks Online.

On top of that, I've also included this reference helpful with the resources needed while working with bank feeds and reconciling accounts: How to reconcile your accounts so they always match your bank and credit card statements?

Don't hesitate to post again here if you have other questions or concerns with QuickBooks tasks and navigations. I'm always around and happy to help. Take care and stay safe!