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Use a template form to reconcile accounts monthly. It will allow you detect any accounting errors at both yours or the banks earlier. This could also save you overdraft charges and embarrassment of having your debit card declined. This form allows for you to list every transaction that you have recorded in the checkbook, along with the ones that are held by the bank. When you match all transactions, reconciliation is done. The bank doesn’t have any records. By subtracting these from the balance you show, it should match what the bank shows.
There are many websites that offer templates to help you with your bank reconciliations. Since this is a relatively simple process, you need to make sure that the template you choose does not overcomplicate the process. You should make sure to reconcile your accounts every month. This will allow you to spot problems before they become costly.