How to balance
your checking account
1. List All Outstanding Deposits
On the chart below, enter all deposits made after the closing
date of this statement.
Outstanding
Deposit Date
Amount
$
Outstanding
Deposit Date
Amount
$
Total Deposits Outstanding
$
2. List All Outstanding Checks
Obtain your check register and check off all items that appear
on your checking account statement. If any of the items on
your statement are not in your account register, then verify they
are your items. If so, record them in your account register and
adjust your register balance. Then, on the chart below, list all
the checks you have written that are still outstanding (i.e. that
have not cleared your account yet).
Outstanding
Check #
Amount
$
Outstanding
Check #
Amount
$
Total Checks Outstanding
$
3. List Interest and Fees/Charges
On the chart below, enter any fees/charges or interest listed on this
statement that have not yet been entered in your check register.
Statement
Fees/Charges
Date
Amount
$
Total Fees
$
Stat
ement
Interest
Date
Amount
$
Total
Interest
$
4. Enter the last “New Balance” on this statement: $____________
5. Add the Total Outstanding Deposits (see 1): + $____________
Balance: $____________
6. Subtract the Total Outstanding Checks (see 2): -$____________
This is your Adjusted Statement Balance: $____________
7. Enter your last balance from your check register: $____________
8. Subtract the Total Fees/Charges (see 3): -$____________
Balance: $____________
9. Add the Total Interest (see 3): + $____________
This is your Adjusted Register Balance:
$____________
Your Adjusted Statement Balanceshould equal
your Adjusted Register Balance
If It Doesn't Balance:
• Check your math in steps 1 through 9.
• Make sure the dollar amounts of the withdrawals listed in this
statement are the same as those recorded in your check register.
• Check your math in your register.
• Make sure the dollar amounts of the deposits listed in this
statement are the same as those recorded in your check register.
