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Balance a Checkbook

When it comes to managing your money, there are few basic habits more important than taking the time to balance your checkbook every month. When you balance your checkbook, you are able to:

  • Ensure your checkbook records and your bank statement are aligned and accurate (that is, in balance).
  • Determine the balance in your checking account so you can avoid bouncing checks or incurring overdraft fees.
  • Correct errors immediately (by you, the bank or by recipients of your checks) to prevent them from making an even bigger financial mess that is even harder to fix after too much time passes.

The Anatomy of a Check

If you’re unsure what all of the numbers at the bottom of your checks mean, we found a useful resource to help you learn more about the anatomy of a check. Learn how to find the bank routing number and what all of the other information printed on your check represents.

Do You Use a Debit Card with Your Checking Account?

All of our checking accounts, such as our Free Personal Checking, come with a Visa® Debit Card which debits (or, withdraws funds from) your checking account when you use it to make purchases. When you use a debit card with your checking account, it is very important to balance your checkbook. This will ensure that you know how much is in your account so that you can manage your money most effectively.  

What Do You Need to Balance Your Checkbook?

Here are the items you will need to balance your checkbook.

  • A copy of your bank statement (Online Banking makes it easy to download your statement).
  • A copy of all deposit slips.
  • A copy of all withdrawal receipts.
  • A record of your debit card withdrawals (payments or purchases).
  • The amount of interest you may have earned if you have an Interest Bearing Checking Account.
  • The amount of bank fees charged to your checking account.

Once you have all of the above documentation together, you’ll have what you need to balance your checkbook.


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