If your opening (perhaps the VERY first one) balance is off
If your opening balance is off, it is likely that somewhere a transaction in the account - even well AFTER the date of your opening balance - has been reconciled accidentally. That is what happened to me. After spending nearly an hour trying to understand it, I finally stumbled upon the answer in this community. I searched, and found the offending accidental reconciliation. Just wanted to pay this piece of info forward.
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