This isn't as big a problem as you think. There are several ways you can handle it, including:
- use your dates. Most people don't need to reconcile every day, and you can pick a day where there are no pending transactions, or few enough to be easily understood.
- use the bank dates. This happens automatically if you import converted bank data.
- use both dates. Eg, your date as the main transaction date, and (when helpful), the bank's date on the bank posting(s) only.
- there's also a primary/auxiliary date feature, but I think it's unnecessary
- use your dates. Most people don't need to reconcile every day, and you can pick a day where there are no pending transactions, or few enough to be easily understood.
- use the bank dates. This happens automatically if you import converted bank data.
- use both dates. Eg, your date as the main transaction date, and (when helpful), the bank's date on the bank posting(s) only.
- there's also a primary/auxiliary date feature, but I think it's unnecessary