When banks deduct fees directly from incoming or outgoing payments, the amount received or paid differs from the transaction recorded in D365FO. For example, a customer pays a 100 EUR invoice, but the bank deducts 10 EUR in fees and reports 90 EUR on the statement. Currently, there is no way to post this difference within Advanced Bank Reconciliation - users must create separate journals manually. The system should allow users to post such differences directly during reconciliation to a defined bank charges account.