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@DryHeat — I can confirm (through my overdraft fee!) that what you described at the end of your post (@DryHeat's original comment now moved here) is exactly what's happening:

Users with bank accounts that report balances that already take pending transactions into account are left to choose between two "balance type" viewing options that both lead to inaccurate cash flows.

This is especially infuriating in the case of Simplifi-initiated A2A transfers—it's the left hand not talking to the right. There is no known workaround I have found, other than to toggle between the two views, identify those transactions that are double-counted in the BalWithPending view but omitted entirely in the BankBal view, and then manually add/subtract those transactions yourself.

I'm being told that this is how it's "supposed" to work.

Fundamentally, IMO, if you can change a viewing option and suddenly alter your cash flow projections significantly, then that cash flow functionality is broken. We can debate about what displayed balances ought to reflect under various settings, but there is an immutable truth to cash flow projections that Quicken Simplifi violates.

Vote here.

Thank you. I updated the type to be income instead of expense. Will test that out on the next deposit. Appreciate the help!