Below the list of transactions, there is currently a bar with some data, including 'Online Balance', 'Current Balance', and 'Ending Balance'. I am proposing three new items be added to this bar:
1. An 'Uncleared' value showing a subtotal of all above-the-line uncleared items (do not include future transactions).
2. A 'Pending' value showing the difference between 'Online balance' and 'Current balance'
3. In a perfect world, these two values would be equal and the difference would be $0. Show the 'Difference' in a 3rd value.
Assuming user has input all known pending transactions into the transaction list, these calculations could help you to know if something is missing / wrong. I think in reality, users would see the 'Difference' fluctuate, but it may ultimately help with full reconciliation later.