need a formula function that takes pos & neg data from separate cols and displays results in another

Mike_GilmanRabakami1 

I think there are a few ways to approach this task: 1) Use dynamic arrays or 2) Go with a table.

For the attached workbook I've simplified the Check Register Ledger template offered by Excel (File | New - search for templates).

This is a dynamic array solution:

A negative sign is added before the withdrawal dynamic item because ledgers often do not list withdrawals as negatives but as positives (This template does not use negatives):

=LET(
    transactions, Deposit + -Withdrawal,
    Accumulate, LAMBDA(a, v, a + v),
    SCAN(0, transactions, Accumulate)
)

The Withdrawal and Deposit columns have been defined as dynamic items. Formula is placed in G.

Also, I've attached the less exciting table solution.