Each Financial Institution handles how they display or give their account balances to Mint differently when it comes to pending transactions. Some will include all transactions, pending or not, it the Account Balance that is displayed on the Overview page on Mint’s site. Some will not add the pending transactions to the balance.
MintToReport keeps its own balance after you enter the original balance. It does not get any balance information from the site but rather recalculates it each time you do a fresh import. Because of that, if you have a Financial Institution that doesn’t include pending transactions in their balance, run the Account Ledger Report and you should be able to match Mint’s balance with the running balance prior to the pending transactions.
So, if you enter your account balances and let MintToReport do the math, you will always know all your transactions are correct. Otherwise, you really would have to go through your whole statement, transaction by transaction, just like your parents.