1. Checks, Deposits, Registers, and Reconciliations

2. Check Details 12345987610 This is the Routing Number for your bank (used for electronic transfers of funds from your account to the payee’s account) This is your Account Number. (Note that sometimes these two numbers are the reverse of what is shown here.) This is just your check number again (see above right). Here is where you write the name of the party you are writing your check to (the payee). Be sure to write or print legibly! On the lower line, write out the amount like this. Legibly print the amount of money this check is for. Enter the date you write each check. Place to add any information you want to related to this check. Put your personal signature here. Make sure your personal information on the check is correct. Here is the number of this Check. 115-F Click the numbers

3. Depositing Checks Endorsement: The signature on the back of a check instructing the bank what to do with the check. A. Blank Endorsement: Instructs the bank to cash the check. B. Full Endorsement: Instructs the bank to transfer the check. C. Restrictive Endorsement: Instructs the bank to deposit the check.

4. Check Register Subtractions Debits card purchases/withdrawals Checks Online bills payments Service charges Bounced check fees

5. Check Register Additions Deposits Transfers from savings Interest

6. Reconciling Your Account Compare bank statement to register: Step 1: In your register, check off: ◦ deposits ◦ checks ◦ other activity found on bank statement Don’t forget to look at previous months!

7. Reconciling Your Account Use the checking account calculator: http://www.free-online-calculator-use.com/checking-account- reconciliation.html http://www.free-online-calculator-use.com/checking-account- reconciliation.html http://www.free-online-calculator-use.com/checking-account- reconciliation.html Step 2: Fill in register with any activity found on the bank statement that you didn’t record in register. Step 3: Add up outstanding checks and subtract from the bank statement’s ending balance. Step 4: Take the ending balance from Step 3 and add outstanding deposits.

8. Reconciling Your Account Step 5: If your register and bank statement do not match, look for mistakes and make adjustments to register.