It's not clear to me if the "smaller" range is the
one with the dollar amounts or what arguments you
are currently using with the VLOOKUP() function.
Assuming the "smaller" range is the one that you're
currently searching for dollar amounts, just
make sure that the 4th (optional) argument to
VLOOKUP() is either 0 or FALSE. If the account
that you're searching for isn't present the in
"smaller" range a #N/A error value will be returned.
Reverse what you're looking up
Im using match instead of vlookup, but the basic idea is, rather than looking up the subset values in the superset, try looking for the superset values in the subset to find out which values in the superset are "unique".
The superset data is in col(A) and the subset is in col(B)
In col(C) type the formula
=IF(ISNUMBER(MATCH(A2,B:B,0))=TRUE,"duplicate","unique")
and copy down to cover the entire range of the superset data
should give you a col(C) list of the superset data that is duplicated in the subset or unique to the superset.
Hope that helps