Bank Reconciliation Checker
Free tool · US & Canada
Why won’t your bank reconciliation balance?
Enter your statement balance, your book balance from QuickBooks or Xero, and the items that haven’t cleared. The checker builds a proper reconciliation, shows the exact difference and runs seven diagnostic tests — including searching your uncleared items for the combination that explains it.
- No signup to see results
- Runs in your browser — numbers aren’t uploaded
- Paste amounts straight from a spreadsheet
Your reconciliation
Enter both balances and any uncleared items, then select Check my reconciliation.
Still can't make it balance?
Send these results to AccoTiva. A bookkeeper will look at the difference and the diagnostics and reply within one business day with what to check next — no obligation.
Prefer to talk first? Book a free 30-minute consultation →
How bank reconciliation works
Adjust the bank side
Start with the statement ending balance, add deposits you’ve recorded that the bank hasn’t processed yet, and subtract cheques and payments that haven’t cleared.
Adjust the book side
Start with your book balance, subtract bank fees you haven’t recorded and add interest or other credits the bank has posted. These items need journal entries in your books.
Compare
The two adjusted balances should match to the cent. If they don’t, the difference is a clue: amounts divisible by 9, exact doubles of one item and round numbers each point to a specific type of error.
Reconciling a credit card? Choose “Credit card” as the account type and enter the balance owed as a positive number on both sides — the form relabels itself so charges and payments go in the right place.
Bank reconciliation: common questions
Why is my bank reconciliation not balancing?
The most common causes are a transaction recorded twice or not at all, a deposit entered as a payment (or the reverse), transposed digits, items marked as cleared in the wrong month, and changes to previously reconciled transactions that alter your opening balance.
What does it mean if the difference is divisible by 9?
A difference that divides evenly by 9 is the classic sign of a transposition error, such as 54.00 entered as 45.00, or a slide error where the decimal point moved, such as 1,250.00 entered as 125.00.
What are deposits in transit and outstanding cheques?
Deposits in transit are amounts you have recorded in your books that the bank has not processed by the statement date. Outstanding cheques and payments are amounts you have recorded that have not yet cleared the bank.
Do I need to record bank fees and interest in my books?
Yes. Fees, interest, NSF items and other charges that appear on the statement but not in your books need an entry. The checker lists the debit and credit for each one.
Can I use this for credit card reconciliations?
Yes. Choose Credit card as the account type and enter the balance owed as a positive number. The form relabels itself so charges and payments are adjusted in the right direction.