Get used to keeping your ATM records in one place in your wallet or in an envelope tacked up your wall

2torial #0433: Learn2 Balance Your Checkbook (Continued) Assess the situation Believe it or not, most checkbook discrepancies are easy find and fix. The first step is to get a hold of the pieces necessary to complete the puzzle. Unbalanced accounts are usually the result of a combination of five factors: Uncleared checks: These are checks written but not yet cashed by the recipient. They are the arch-enemy of the checkbook-balancer. Unregistered ATM or debit card withdrawals: Although banks are very tidy with their records, the average person is not. Money seems to slip out of ATMs unnoticed. Uncleared deposits: Deposits will usually clear the bank immediately, but it also takes a few days for your statement to arrive. Interest earned or bank fees due: these have their own line record on the statement. Note: ATM or debit card fees will show up under withdrawals. Human error! An error in carrying a number can throw off your initial estimate by hundreds of dollars. Step 3