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A template form is a great way to reconcile your accounts on a monthly basis. It will help you spot any accounting errors, both yours as well as the banks, much sooner. This could save you overdraft fees or the embarrassment that comes with having your check bounce or 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. After you have verified all transactions, reconciliation takes place. You are only left with the ones that you don’t match. 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. You should ensure that the template chosen is simple and does not make it more complicated. To avoid problems from escalating, make sure that your account is reconciled every month.