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How to Balance Your Checkbook

In order to balance your checkbook, you will need to keep a record of the checks you write on your account, all debit card transactions, and any automatic withdrawals.  Most people do this by writing them in a check register which you should receive with your check order.  Additional registers are available free of charge from the bank.

Each month Springfield State Bank will send you a “bank statement” by mail or by e-statement.  This statement is a record of activity that occurred during the month including checks written, deposits, ATM withdrawals, debit card purchases, bill pay items, and fees, etc.  With this statement you will receive images of the checks and deposits that have processed through your account.

Using this statement and your checkbook, take the following steps to balance your checkbook.

Steps of Balancing

Step 1

In your check register make a checkmark beside each check listed on your bank statement.  In addition, mark ATM or debit card transactions and all deposits.

Step 2

Record in your check register any transactions listed on your bank statement that were not already recorded in your register.  This may include ATM or debit transactions that you forgot to write down, automatic payments, internet billpay activity, bank fees, etc.

Step 3

The back of your bank’s statement will have a form – or you can print this one below for your convenience. Use this form to reconcile your checking account.