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Thanks, I haven't tried the formula yet, but the problem with the two queries is that at the end of the second query you are again left with just the names of fields that are not equal to 0, I still want those names to show up with 0 in the results of the second query. Otherwise i could just...

Can you give me an example? An example of a problem that i would have from the above example would be if i tried to change the sum to avg. You would see that the result would be off because if would be averaging 0's for fields that didn't meet the balance criteria.

I have an issue where i have two joined table, one that has names and reference numbers and the other with just reference numbers and balances. There are about 5 unique names. I then join the tables and sum all the balances for each unique name that has a daily balance of greater then 1000. not...