For no apparent reason my NFCU savings account started only reconciling to the "available balance" instead of the actual balance. NFCU requires a minimum of $5.00 in savings to keep the account open. It was working with the total balance, showing all the funds in the account until about 2 or 3 months ago when the manual reconcile window started popping up following a download to ask if I wanted to "adjust the balance," and showing the account off by $5.00.
I'm using 2009 premium. It never did this before. Did something change with a software upgrade, or perhaps with the NFCU download? I can switch to the paper reconciliation and use the correct closing balance and it reconciles. When I switch back to the online reconciliation it shows $5.00 off again.