Write down the ending balance shown on your bank statement.
Go over bank statement. Make sure all your deposits are on the bank statement.
Make a list of any deposits or additions to your checking account that are NOT shown on your bank statement. Add them all together. Add the total to your bank's balance.
Now you have a new total. Hold on, there's more.
Go over bank statement. Make sure all your withdrawals are on the statement.
List all checks, ATM withdrawals, debit card purchases, and other withdrawals of any kind NOT on your bank statement. We belong to the YMCA and that is deducted each month, but it usually shows up on our bank statement.
Total all the withdrawals up. Are you ready for the final steps?
Subtract your total withdrawals from the new total in step three. You have a New Total.
Step Six: Does Your Total Match Bank's Total?
Your new total should match the bank's original total. If it doesn't you will need to recalculate and figure out why. Sometimes you forgot something that you purchased. Or your husband made a deposit. Or your wife used her ATM card. Occasionally the bank makes a mistake. Investigate and recalculate. Go through these steps as many times as you need to until the balances match.
At some ATMs you can save a lot of money in fees.