Bank and credit card reconciliation services
If the balance in your accounting software does not match the bank, nothing else in your books can be trusted. We reconcile every bank, card, loan and merchant account and explain every difference.
What is included in bank & credit card reconciliation
A reconciliation proves that every transaction in your books actually happened and that every transaction at the bank is in your books. Skipping it is how duplicate expenses, missed deposits, fraud and bank errors go unnoticed for months.
We reconcile each account to the statement, track down the differences — uncleared checks, duplicated feeds, transfers coded as income, merchant fees netted out of deposits — and correct them properly. Our Excel background means we are also fast with high-volume or messy reconciliations other bookkeepers avoid.
Bank accounts
Operating, payroll and savings accounts reconciled monthly to the statement.
Credit cards
Company and employee cards reconciled, with receipts matched and personal charges flagged.
Merchant processors
Stripe, Square, PayPal, Shopify Payments and others — gross sales, fees and refunds split out correctly.
High-volume reconciliations
Thousands of transactions matched with Excel and Power Query when software matching falls short.
Signs you need bank & credit card reconciliation
- 1Your software balance and bank balance disagreeAnd the gap has been growing.
- 2Revenue looks too high or too lowOften deposits are recorded net of fees, or transfers are being counted as income.
- 3You suspect duplicatesBank feeds and manual entries overlapping is extremely common.
- 4Your CPA keeps asking reconciliation questionsReconciled books mean a cheaper, faster tax return.
What you receive
- Monthly reconciliation of every account you list
- Reconciliation report with outstanding items
- Corrections posted with clear memos
- Flagged items list for your review
- Merchant fee and refund breakdown
- Year-end reconciled balances for your tax professional
$15 per hour, whether included in monthly bookkeeping or as reconciliation-only work. See pricing or what bookkeeping costs.
Bank & credit card reconciliation FAQ
Monthly, as soon as the statement is available. Monthly reconciliation catches errors and fraud while they are still easy to fix.
Yes — that is a cleanup project. We start from a known balance and work forward month by month. See catch-up bookkeeping.
Read-only access or statement downloads are enough. We never need the ability to move money.
Get a free quote — $15 per hour
Reply from Jay within one business day with a written scope and an estimate of hours at $15 per hour. No obligation.
Bank & credit card reconciliation in every US state
We work with businesses in all 50 states and DC. Each state page covers its own income tax, sales tax and business filing rules.
Accountant in Alabama · Accountant in Alaska · Accountant in Arizona · Accountant in Arkansas · Accountant in California · Accountant in Colorado · Accountant in Connecticut · Accountant in Delaware · Accountant in Washington DC · Accountant in Florida · Accountant in Georgia · Accountant in Hawaii · Accountant in Idaho · Accountant in Illinois · Accountant in Indiana · Accountant in Iowa · Accountant in Kansas · Accountant in Kentucky · Accountant in Louisiana · Accountant in Maine · Accountant in Maryland · Accountant in Massachusetts · Accountant in Michigan · Accountant in Minnesota · Accountant in Mississippi · Accountant in Missouri · Accountant in Montana · Accountant in Nebraska · Accountant in Nevada · Accountant in New Hampshire · Accountant in New Jersey · Accountant in New Mexico · Accountant in New York · Accountant in North Carolina · Accountant in North Dakota · Accountant in Ohio · Accountant in Oklahoma · Accountant in Oregon · Accountant in Pennsylvania · Accountant in Rhode Island · Accountant in South Carolina · Accountant in South Dakota · Accountant in Tennessee · Accountant in Texas · Accountant in Utah · Accountant in Vermont · Accountant in Virginia · Accountant in Washington · Accountant in West Virginia · Accountant in Wisconsin · Accountant in Wyoming
Often combined with this
Monthly bookkeeping
Every transaction categorized, every account reconciled, a clean P&L by the 15th of the month.
Open →A3r2Catch-up & cleanup bookkeeping
Months or years behind? We rebuild the books from bank statements and get you current.
Open →A3r3Data cleaning
Messy exports turned into a clean table you can actually analyse.
Open →Get a free estimate for bank & credit card reconciliation
Twenty minutes is usually enough to understand your books and estimate the hours at $15 per hour. No obligation.