So, where to begin? First you must have your bank account statement in hand, your checkbook and either a calculator or adding machine (one with paper to print out works best for checking for accuracy).
In your checkbook locate each deposit listed by the bank on the statement, and check off in the checkbook where that deposit appears.
Put circles (or stars or some other symbol) next to all of the deposits that you have made that do not appear on the bank’s statements (these deposits are considered outstanding and will show up on next month’s statement).
Repeat the process above with all of the debit transactions.
Repeat the process above with all of the checks written.
In your checkbook make sure to list any service charges or interest payments noted on the statement, and deduct or add accordingly.
Locate the bank’s ending balance and write this on a separate piece of paper.
To this amount add all of the outstanding deposits from your checkbook (the deposits with the circles next to them). This total now reflects all of the deposits made by you.
Now you will need to deduct all of the outstanding debits and checks from steps #3 & #4 above.
The resulting balance should equal the balance you have in your checkbook.