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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 will allow you to list all transactions you have recorded in your account along with those that the bank has. When you match all transactions, reconciliation is done. The bank doesn’t have any records. You can subtract these from your balance and it will match what the bank shows.
Many sites offer templates that you can download to make bank reconciliations much more simple. This is an easy process so you should make sure the template you select does not complicate it. It is important that you reconcile every month your bank account so you can catch any issues before they escalate into costly problems.