Sounds like you have pasted the totals in to the Page Footer. Move them to the Report Footer and they should work.

That is a good thought but that is where i have them. I moved them to the Form header as well still same result. If i hard code the date in the query it works fine. It seems as if the text box calculations are starting before the form can result the query data if that makes sense.

For your Subtotals total try:
=Sum([Credit])+Sum([Debit]*-1)

Is this what you were looking for?

Thanks Kevin that formula doesn't work for me as i am getting my values from a running Balanace calculation.
The formulas i have work and give me the correct values except, i can't use the year prompt when i open the form, it fails.  
See attachments

=DMax("RunningBalance","ChkDescriptionTotalsQ")

I believe using the date somehow delays or stops the DMax functions in the text box from resulting. Like i said if i hard code the year in the query, the form results work perfectly

Hi Alan, you cannot use a parameter query in DMax().  The function below returns an error if ChkDescriptionTotalsQ requires a parameter:

     =DMax("RunningBalance","ChkDescriptionTotalsQ")

For domain aggregate functions (DCount, DLookup, DMax, etc.) to work, the domain must be a set of records already available for processing.  A parameter query does not have any records available unless and until the user enters the parameter.

You may think that DMax() should wait for the user entry like a parameter query does, but sadly it doesn't.

Ok that make sense, thank you for clarifying. I need to reevaluate my DB strategy.