My Bank Balance (credit Card) shows a balance that says was updated 1 hour ago, but the actual balance is zero

It's nice to see you in the Community, @geoff50k.

May I know what financial institution are you using so I can check if there are any related issues? 

In the meantime, let's attempt a manual update of your credit card account every 2 or 3 hours interval to fetch items that were not downloaded. 

Here's how:

1. Click Banking from the left navigation panel.
2. From the Banking window, tap to highlight the account.
3. Hit the Update button to refresh the account.

If the issue persists, follow the solutions outlined in this article: What to do if bank transactions won’t download?

I want to make sure you're all set, so let me know how things go by leaving a comment below. I'll be glad to provide further assistance. Have a lovely day!