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The other benefit of using a template for reconciling your account on a monthly schedule is that it allows you to identify any accounting error at an earlier stage. This could result in you saving overdraft fees, embarrassment and having your debit card declined or a check bounce. This form allows you to list every transaction you have recorded in your checkbook alongside of the ones that the bank has a record of. Once you have matched all transactions, reconciliation occurs. Only those transactions that you do not show the bank will be left. You can subtract these from your balance and it will match what the bank shows.
A variety of websites offer templates online for bank reconciliations. This is an easy process so you should make sure the template you select does not complicate it. Importantly, you should reconcile your account each month to avoid any potential problems.