How to reconcile bank statements on QuickBooks

intermediate 8 min read Updated 2026-03-18
Quick Answer

Reconciling bank statements in QuickBooks involves comparing your bank statement with QuickBooks records to ensure accuracy. Access the reconciliation tool from the Banking menu, enter statement details, and match transactions until the difference is zero.

Prerequisites

  • Active QuickBooks subscription
  • Bank account connected to QuickBooks
  • Latest bank statement available
  • Basic understanding of accounting transactions

Step-by-Step Instructions

1

Access the Reconcile Feature

Navigate to the Banking menu in the top navigation bar and select Reconcile. If you're using QuickBooks Online, go to Bookkeeping > Reconcile. Choose the bank account you want to reconcile from the dropdown menu.
Make sure you have your bank statement ready before starting the reconciliation process.
2

Enter Statement Information

Input your bank statement details in the reconciliation window:
  • Statement ending date - Enter the date from your bank statement
  • Beginning balance - This should auto-populate from your previous reconciliation
  • Ending balance - Enter the final balance shown on your bank statement
Click Start reconciling to proceed.
Double-check that the beginning balance matches your bank statement's starting balance.
3

Review and Match Deposits

In the Deposits and other credits section, check off each deposit that appears on your bank statement. Look for:
  • Customer payments
  • Bank interest
  • Other income deposits
Click the checkbox next to each matching transaction. The running total will update as you select items.
If a deposit is missing, you may need to record it before continuing the reconciliation.
4

Match Checks and Payments

In the Checks and payments section, check off each transaction that appears on your bank statement:
  • Written checks
  • Electronic payments
  • Bank fees
  • Automatic withdrawals
Verify the amounts match exactly between QuickBooks and your statement.
Pay attention to outstanding checks that haven't cleared yet - leave these unchecked.
5

Resolve Discrepancies

Monitor the Difference field at the bottom of the reconciliation window. This should show $0.00 when complete. If there's a difference:
  • Look for missing transactions
  • Check for amount discrepancies
  • Verify dates are correct
  • Look for duplicate entries
Add missing transactions using Add Transaction if needed.
Common discrepancies include bank fees, interest, or transactions recorded on different dates.
6

Complete the Reconciliation

Once the difference shows $0.00, review your work and click Finish now. QuickBooks will ask if you want to print or save a reconciliation report. Select your preference and click OK. The reconciled transactions will be marked with a checkmark in your register.
Always save or print the reconciliation report for your records and future reference.

Common Issues & Troubleshooting

Beginning balance doesn't match bank statement

Check if the previous reconciliation was completed correctly. Go to the Chart of Accounts, open your bank register, and verify the last reconciled balance matches your statement.

Transactions appear in QuickBooks but not on bank statement

These may be outstanding transactions that haven't cleared yet. Leave them unchecked during reconciliation. If they're old, contact your bank to verify the status.

Bank statement shows transactions not in QuickBooks

Add missing transactions by clicking Add Transaction during reconciliation, or go to Banking > Banking to download and categorize missing transactions.

Reconciliation won't balance despite multiple attempts

Look for Previous Reconciliation Reports under Reports > Banking to identify when the discrepancy started. Consider undoing the last reconciliation if errors were made.

Prices mentioned in this guide are pulled from current plan data and may change. Always verify on the official QuickBooks website before purchasing.