Financial - JDE1 (MOSC)

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Help with Auto bank Reconciliation JD EnterpriseOne 9.2.4.5

Hello,
I'm trying to set up the Auto Bank Reconciliation process.  I have gone through all of the setup steps and have successfully imported the BAI2 file from the bank.  However, nothing reconciles when I run the program.  I understand this may be because there is no data in the customer reference field in the file returned from the bank.  It is all zeros.  Is this true?  If so, where does this information come from and why wouldn't it be in the bank file? 
I should add that most of our transactions are ACH or wires, both in and out.

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