Updating one table from another

[m00nbeast]

Hi you wonderful helpers who generously give your time away to help the less competent :)
I thought this would be an easy task but I'm not an advanced SQL guy and don't know how to use an inner join, which apparently I need to use.
I have two tables
tblEmp
fname (text)
lname (text)
balance (money)
beginning_balances
fname (text)
lname (text)
balance (money)
I want to update the balances from beginning_balances to tblEmp.
Here's my attempt to recreate the example I was tyring to follow which yeilded zero results although I know that there are exact fname and lname matches:

Update tblemp
Set    tblemp.balance = beginning_balances.balance
From   tblemp
       Inner Join beginning_balances
         On tblemp.fname = beginning_balances.fname
         And tblemp.lname = beginning_balances.lname
Where  tblemp.balance = 0

Am I completely off here?