Log statement balance, outstanding checks, deposits in transit, interest, and bank charges. We reconcile both sides line-by-line — the report only ships green when adjusted bank balance equals adjusted book balance.
01 — What you create
The classic two-column reconciliation auditors expect: bank side adjusts for outstanding items, book side adjusts for unrecorded transactions, both arrive at the same balance.
Sonchoy Studio Ltd.
Account #XXXX-4521 · As of 30 Jun 2026
Stmt bal.
187,280
Book bal.
184,220
Adjusted
196,058
Status
✓ BAL
Both sides match to the cent.
Scanned invoices, multi-page batches, multi-currency stacks, and direct push into your accounting system. Free for 30 days, no card required.
Try Premium FreeFree 30 days · no credit card · cancel anytime
02 — How it works
Bank reconciliation is monthly hygiene — catches fraud, errors, and timing issues before they snowball. Run it at every period close so the cash on your balance sheet is the cash you actually have.
Statement balance (bank's number) and book balance (your ledger's number). They rarely match — that's normal.
Outstanding checks, deposits in transit, interest, bank charges, NSF returns — anything that explains the gap.
PDF only ships green when adjusted bank = adjusted book. Any remaining gap surfaces with the exact amount.
03 — Built for month-end
Bank side and book side side-by-side — the format every accountant and auditor expects on first glance.
Deposits in transit, outstanding checks, interest, bank charges, NSF returns — each with its own input group.
Adjusted bank vs adjusted book reconciled on every keystroke — green when balanced, red when not.
Outstanding checks carry check number + payee. NSF returns carry check number + payer. Auditable detail in every row.
Free-form line items for one-off corrections (bank errors, ledger fixes) on either side.
PDF includes a reconciling-items summary table — at-a-glance count and amount per category.
Bulk OCR, batch invoicing, multi-party e-signing, redaction, audit logs — pdfFiller picks up where Sonchoy ends. Free for 30 days, no credit card.
Run 100+ invoices, statements, or conversions in one go.
Turn paper invoices into searchable, exportable data.
Multi-party signatures with full audit trails.
Mask sensitive ledger lines before sending to auditors.
04 — Common questions
Timing. Deposits you recorded today won't show on the statement until they clear. Checks you wrote yesterday won't hit the bank until the payee deposits. Interest the bank credited you may not be in your books yet. Reconciliation explains the gap.
Money you deposited at end of period that the bank hadn't processed by the statement cut-off. It's in your book balance but not yet in the bank balance — so you add it back when reconciling.
A check you issued that hasn't cleared the bank yet. It reduced your book balance when you wrote it, but the bank still has the cash — so you subtract it from the bank balance when reconciling.
Bank errors (rare but they happen — duplicate posting, wrong amount, misapplied wire) go in "Bank adjustments". Use positive for credits-in-error to add, negative for debits-in-error to subtract. Document with the bank's error notice for audit.
The PDF stays red and shows the exact gap. Common causes: a check you missed entering in the book, an interest credit not yet booked, an NSF return not posted, or a transposition error somewhere. Hunt for an item equal to the gap, then look for two items that net to the gap.
PDF (two-column reconciliation + reconciling-items summary + signature line) and .xlsx (single sheet with the same two columns laid out for easy auditor review).
05 — Related tools