Index: src/import-export/qif-import/qif-objects.scm
===================================================================
--- src/import-export/qif-import/qif-objects.scm	(revision 16844)
+++ src/import-export/qif-import/qif-objects.scm	(working copy)
@@ -300,12 +300,14 @@
      (qif-xtn:splits self) amounts))
 
   (define (need-neg amounts)
-    (let ((sum (gnc-numeric-zero)))
-      (for-each
-       (lambda (amt)
-	 (set! sum (gnc-numeric-add sum amt 0 GNC-DENOM-LCD)))
-       amounts)
-      (gnc-numeric-zero-p sum)))
+    (if (gnc-numeric-zero-p (car amounts))
+        #f
+        (let ((sum (gnc-numeric-zero)))
+          (for-each
+           (lambda (amt)
+        	 (set! sum (gnc-numeric-add sum amt 0 GNC-DENOM-LCD)))
+               amounts)
+          (gnc-numeric-zero-p sum))))
 
   (let ((def-spl (qif-xtn:default-split self)))
     (if def-spl