Tax & Banking · Reconciliation

Statement vs. books, reconciled
to the cent.

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.

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BANK=BOOK
Live integrity check
5
Reconciling item types
PDF+
XLSX two-column sheet
Free
Always · no signup

01 — What you create

From two balances one reconciled number.

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.

Reconciliation Form
30 Jun 2026 · USD
Account
Operating · #XXXX-4521
Statement bal.
187,280.00
Book bal.
184,220.00
Bank-side adj.
+8,778.00 (3 categories)
Book-side adj.
−481.00 (3 categories)
Reconciled to
196,058.00 (both sides)
✓ Reconciled0.00
Reconciled balanceUSD 196,058.00
OUTPUT.PDF
Audit-ready
Bank ReconciliationOperating Account · USD

Sonchoy Studio Ltd.

Account #XXXX-4521 · As of 30 Jun 2026

Stmt bal.

187,280

Book bal.

184,220

Adjusted

196,058

Status

✓ BAL

Per bank
Statement bal.187,280
+ DIT+12,600
− Outstanding−3,872
+ Bank adj.+50
Adjusted196,058
Per books
Book bal.184,220
+ Interest+142
− Bank charges−43
− NSF returns−580
Adjusted196,058
✓ ReconciledUSD 196,058.00

Both sides match to the cent.

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02 — How it works

Three steps to cash certainty.

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.

01

Type the two balances

Statement balance (bank's number) and book balance (your ledger's number). They rarely match — that's normal.

02

Log reconciling items

Outstanding checks, deposits in transit, interest, bank charges, NSF returns — anything that explains the gap.

03

Confirm balanced

PDF only ships green when adjusted bank = adjusted book. Any remaining gap surfaces with the exact amount.

03 — Built for month-end

Every line a CFO can defend.

Two-column auditor format

Bank side and book side side-by-side — the format every accountant and auditor expects on first glance.

5 reconciling item types

Deposits in transit, outstanding checks, interest, bank charges, NSF returns — each with its own input group.

Live balance check

Adjusted bank vs adjusted book reconciled on every keystroke — green when balanced, red when not.

Check / payee tracking

Outstanding checks carry check number + payee. NSF returns carry check number + payer. Auditable detail in every row.

Bank & book adjustments

Free-form line items for one-off corrections (bank errors, ledger fixes) on either side.

Item count summary

PDF includes a reconciling-items summary table — at-a-glance count and amount per category.

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Batch & bulk

Run 100+ invoices, statements, or conversions in one go.

OCR scanned PDFs

Turn paper invoices into searchable, exportable data.

E-sign & request

Multi-party signatures with full audit trails.

Redact & approve

Mask sensitive ledger lines before sending to auditors.

04 — Common questions

Everything about bank reconciliation.

01Why do statement and book balances disagree?

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.

02What's a deposit in transit (DIT)?

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.

03What's an outstanding check?

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.

04How do bank errors fit?

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.

05What if I can't get it to balance?

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.

06Output formats?

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

Often used together.

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