Reconciling bank statements has been discussed here before and, while I've
followed the advice and suggestions in the threads, I'm still having fits
each month.

  When I get the bank statement I check the cleared debits and credits, then
reconcile with pencil on the statement. L123 matches the total on the
statement. However, opening Cash -> Reconciliation the displayed opening
balance is not that of the statement (see below), and when I enter the
statement's closing balance and click the 'Update' button there is always a
discrepancy (either + or -). Knowing that L123 does match the bank, I
finagle the displayed closing balance amount until I get no discrepancy and
can finish. This finagling is almost certainly why the displayed opening
balance the following month is off.

  I don't change anything on the page for date range, just accept all the
defaults. I've not been able to discover why it's always off and would
appreciate some ideas from you experts. FWIW, I can access the account
on-line and can check the L123 balance with that of my bank and they always
match. Why they don't when I go to reconcile with the printed statement in
front of me makes no sense.

Rich
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