Bank of America Reconcile Balance includes Pending Transactions

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Answers

  • Quicken Kristina
    Quicken Kristina Quicken Windows Subscription Moderator mod

    Thank you for letting me know you're still seeing this issue,

    I can see the ticket is still open and ongoing. No new updates are available yet. If you haven't already done so, I recommend bookmarking the Community Alert linked in my earlier post, so that you'll be notified of any updates, once available, and know when the issue is resolved.

    Thank you!

    Quicken Kristina

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  • BLK05
    BLK05 Quicken Windows Subscription Member
    edited December 2025

    I am having same or similar issue and I'm not sure anyone else said this above. This seems to have started during the last Quicken update (running R65.17 build 27.1.65.17) and has happened many, many times in the past and eventually got resolved (also using Quicken with BofA for 20 years or so). When I download transactions, the actual cleared transactions download but the "online balance" includes the pending transactions. My temp fix is to reconcile the BofA account with all pending transactions and then change the reconcile status back to not reconciled. I was assuming it would be fixed soon, but guess not. All my other non-BofA accounts work just fine.

  • SKeyser
    SKeyser Member ✭✭✭

    Starting this week I have been unable to reconcile my Bank of America checking account with the balance as downloaded into Quicken (from Bank of America). The bank's balance includes transactions that are pending, but not yet cleared through the bank. This just started this week.

    I see from doing a search, this problem occurred back in June of 2023. I don't know what resolved it back then.

    Maybe if/when the day comes that I don't have any pending transactions (per Bank of America), I'll be able to use Quicken's reconcile feature again.

    Has anybody else observed this issue this week?

  • Jim_Harman
    Jim_Harman Quicken Windows Subscription SuperUser ✭✭✭✭✭

    I am still observing this problem any time there are pending transactions in my BoA checking account.

    QWin Premier subscription
  • acs2
    acs2 Quicken Windows Subscription Member ✭✭✭

    This issue still exists. If there are no pending transactions Reconcile works

  • Quicken Kristina
    Quicken Kristina Quicken Windows Subscription Moderator mod

    Thank you for the follow-up,

    Thank you for letting us know you're still seeing this issue. The ticket for the issue is still open and ongoing. If you haven't already done so, I recommend bookmarking the Community Alert to track the status and know when the issue is resolved.

    https://community.quicken.com/discussion/7968794/ongoing-12-16-25-bank-of-america-reconcile-balance-includes-pending-transactions

    Thank you!

    (Ticket#12082304/CTP-15397)

    Quicken Kristina

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  • sandy.wood
    sandy.wood Member ✭✭

    I called Quicken support to see if they could help me with this issue. I am also having the issue with only my BofA Checking account (not my BofA Visa account). When I download transactions and Reconcile them I have to make an adjustment each time when I"m done. I've been using Quicken for years and years and only saw this once, back iin 2023.

    The support folks said this was not an issue they were looking at and I should just download the transactions and not Reconcile. Is Quicken actually looking at this as far as anyone can tell?

  • sullfam1
    sullfam1 Quicken Windows Subscription Member ✭✭

    @Quicken Alyssa

    The below thread is worthless. I see nothing being fixed.

    Quicken AlyssaDec 2, 2025

  • Greg Brown
    Greg Brown Quicken Windows Subscription Member ✭✭✭✭

    I researched this issue in 2023 by reviewing the synclog. Do I need to do this again? See below:

    This is the issue from May 2023:

    Greg Brown Quicken Windows Subscription Member ✭✭✭✭May 2023 edited May 2023

    Here is what I found in the "sync.log":

    "CHECKING","isBankPendingTxnsExcluded":true,"onlineBalance":1503.7500,"normalizedBalance":1587.1300

    1587.13 is the online balance and is reported as "narmalizedBalance". "onlineBalance" is actually available balance and has pending transactions included.

    My guess is that something changed around the time of R49.33, either with Quicken or Bank of America.

    Quicken Classic - R65.29, Windows 11 PRO current on updates

    My data file is NOT being synced nor backed up.

  • sullfam1
    sullfam1 Quicken Windows Subscription Member ✭✭

    Greg Brown……….what are you implying?

  • sandy.wood
    sandy.wood Member ✭✭

    Just did my BofA download and saw that my transactions did not include any processing / pending transactions. The onlinebalance shown in Quicken is exactly the amount shown at BofA before any processing / pending transactions. When I finished categorizing all my items, it showed another Adjustment would be required to make my account match the onlinebalance.

    Not sure where the mismatch is.

  • Jim_Harman
    Jim_Harman Quicken Windows Subscription SuperUser ✭✭✭✭✭

    If you have made adjustments in the past to make your Quicken balance match the BoA online balance when there were pending transactions, you will now need to make another adjustment to back out the earlier one.

    To avoid this endless cycle of adjustments, when Quicken can't reconcile to the online balance I just hit Finish later and wait a few days until there are no pending transactions. Then the reconcile will complete without a mismatch.

    QWin Premier subscription
  • Greg Brown
    Greg Brown Quicken Windows Subscription Member ✭✭✭✭
    https://community.quicken.com/discussion/comment/20530808#Comment_20530808

    you’re right about that Jim, but it’s too bad that we have to resort to that way of reconciling our Bank of America checking accounts. You’d think after all this time that the technical people could have addressed the issue and resolved it. This is very frustrating.

    Quicken Classic - R65.29, Windows 11 PRO current on updates

    My data file is NOT being synced nor backed up.

  • acs2
    acs2 Quicken Windows Subscription Member ✭✭✭

    The online balance that is downloaded by Quicken will match your Quicken register's balance, IF there are no pending transactions. I've found this to be uniformly true as Jim stated.

    Until the issue is fixed I do the same as Jim which is finish later. Or one can go to their BofA account online and use the balance that shows for the most recent transaction that has gone through processing

  • sandy.wood
    sandy.wood Member ✭✭

    Each time I download my transactions, the online balance matches what the bank shows without the pending transactions. I don't think I've seen a day in years where there are no pending transactions, that sounds like a good idea. My credit card account hasn't had this "adjustment" problem and I almost never have pending transactions there. Must be why I haven't seen the issue there.

    I was thinking to setup another account in Quicken for my checking to see BofA will download a clean set of transactions there.

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