Hey @jujusmr,
I'm glad you've joined the Community. I can provide clarification on the QuickBooks Online (QBO) balance not matching the one at the bank.
There are multiple reasons for why there can be discrepancies between these two balances, such as outstanding transactions and duplicate transactions. For example, a balance in QuickBooks being higher than at the bank could be due to a deposit recorded in QBO that hasn't cleared or posted to the bank yet.
The following article goes over this in further detail and provides steps for resolution: How to Fix Differences Between QuickBooks Balance and Bank Balance. I'm confident that this will get you on the right course and back to business.
Should you have any questions or need anything else, I'm just a few clicks away. Cheering your business to continued prosperity.