How to balance a checkbook and read a bank checking account statement.

Learn how to balance a checkbook and read a bank checking account statement. Get a free checking account with online banking.

How to balance a checkbook

• Compare your monthly bank statement against entries written in your checkbook. Put a check mark next to each transaction in your checkbook registry as reflected on your statement.

• Find the ending balance on your bank statement.

• Add any deposits not checked off to the ending balance

• From this new ending balance, subtract any recent withdrawals, checks or debits listed in your checkbook that aren't checked off.

• The final amount should match your checkbook ending balance. If not, repeat this procedure until your checkbook balances.

• Get free bill reminders

How to read a bank checking account statement

also see how to read a credit card statement

Statement Summary: This section summarizes the totals of your deposits and withdrawals/debits/checks since the last statement. It starts with the balance at the beginning of the statement period, adds the total deposits, subtracts the total withdrawals, and gives a summary balance as of the statement date.

Transaction Detail: There will be a line item for every check, debit, withdrawal and deposit made throughout the statement period. The transactions are listed in chronological order as to when the money was actually transferred, which may explain why check numbers aren't in numerical order.

Check Transactions: Your bank may use listings of check transactions in numerical order to make it simpler to confirm payments.

Daily Balance Summary: This area shows what happened within your account, total deposits and withdrawals, during the statement period.

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