2009/10/29 (XFER) Panera Bread
    Expenses:Food               $4.50
    Assets:Checking

2009/10/30 (DEP) Pay day!
    Assets:Checking            $20.00
    Income

2009/10/30 (XFER) Panera Bread
    Expenses:Food               $4.50
    Assets:Checking

2009/10/31 (559385768438A8D7) Panera Bread
    Expenses:Food               $4.50
    Liabilities:Credit Card

test bal checking --account=code
              $20.00  DEP:Assets:Checking
              $-9.00  XFER:Assets:Checking
--------------------
              $11.00
end test
