An account shows "Off by"

A gold label with a warning triangle, such as Off by $50.00, shows next to the balance of a bank-linked account on the Accounts page.

What the label compares

The label appears when two numbers differ:

• The total of the account's Cleared transactions, including its Starting Balance.
• The last balance your bank reported.

The label shows the difference. Point to it to see which number is higher. Select it to open a box with the actions below.

The label does not appear while your bank is still delivering the account's history, unless a transaction in the account is reconciled. During that time Good Steward adjusts the Starting Balance to match the bank, or, for a Starting Balance brought in from Good Steward Local, waits for the history to finish. See How bank sync works. The label appears after a sync once the history is complete or a transaction in the account is reconciled.

In an investment account the label appears only when the Starting Balance is reconciled. Any other Starting Balance in an investment account adjusts to match the bank at every sync. A loan account follows the same rules as a checking account.

An account set to Balance only never shows the label, because its balance is the bank's figure. See Transactions or Balance only for a bank account.

A transaction is missing, entered twice or has the wrong amount

These are the usual causes. If your ledger is higher, look for a deposit entered twice or a withdrawal that is missing. If it is lower, look for a withdrawal entered twice or a deposit that is missing.

1. Select the Account settings icon (two sliders) at the right of the account's row on Accounts.
2. In the Bank connection card, select Sync now. This refreshes the bank balance and the transactions.
3. Open the account's transactions. Compare the Cleared transactions with your bank's site or app for the same dates.
4. Add a missing transaction, delete a copy, or correct an amount. See Missing or duplicate transactions and Find and remove duplicate transactions.

The label disappears when the Cleared total equals the bank balance.

You entered a transaction by hand and marked it Cleared

A Cleared transaction that you entered counts in the total even if the bank hasn't reported it. Delete it, or mark it Uncleared until the bank reports it.

A transaction you add by hand starts Uncleared, unless you mark it Cleared or turn off New transactions you enter by hand start as Uncleared in Settings. If you leave the category empty, a matching rule with set cleared decides Cleared or Uncleared instead. A transfer you add by hand puts a transaction in both accounts. Your cleared mark applies only to the account you add it in. The other account's side takes the Settings default.

You want to keep the difference

Select the label, then choose a button in the box.

• Add -$50.00 adjustment adds one transaction. The button shows your amount, which is negative when your ledger is higher. The transaction is Cleared, dated today, with the note "Balance adjustment (matched to bank)". It has no payee or category, so on an on-budget account it shows under the Uncategorized filter. It is not locked. It adds exactly the amount the label showed. If the difference changed while the page was open, nothing is added and the label updates to the new amount, so check the amount before you add again.
• Dismiss hides the label. The label stays hidden while the difference is the same amount. It comes back, showing the new amount, when the difference changes, for example after a new Cleared transaction or a sync that brings a new bank balance. Once a sync finds that your account matches the bank, Dismiss is forgotten, so a later difference of the same amount shows the label again. A difference you dismissed is also left out of the "Synced, but the balance of … doesn't match your bank" message after a sync.

To lock the transactions as well, reconcile the account and choose Bank balance.

Still not fixed

Email support@goodsteward.io with the account name, the amount on the label, and your bank's current balance.