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2 Copyright Texas Education Agency, These Materials are copyrighted and trademarked as the property of the Texas Education Agency (TEA) and may not be reproduced without the express written permission of TEA, except under the following conditions: 1) Texas public school districts, charter schools, and Education Service Centers may reproduce and use copies of the Materials and Related Materials for the districts and schools educational use without obtaining permission from TEA. 2) Residents of the state of Texas may reproduce and use copies of the Materials and Related Materials for individual personal use only, without obtaining written permission of TEA. 3) Any portion reproduced must be reproduced in its entirety and remain unedited, unaltered and unchanged in any way. 4) No monetary charge can be made for the reproduced materials or any document containing them; however, a reasonable charge to cover only the cost of reproduction and distribution may be charged. Private entities or persons located in Texas that are not Texas public school districts, Texas Education Service Centers, or Texas charter schools or any entity, whether public or private, educational or non-educational, located outside the state of Texas MUST obtain written approval from TEA and will be required to enter into a license agreement that may involve the payment of a licensing fee or a royalty. For information contact: Office of Copyrights, Trademarks, License Agreements, and Royalties, Texas Education Agency, 1701 N. Congress Ave., Austin, TX ; phone ; copyrights@tea.state.tx.us. 2

3 Know the amount of money in your account Verify the balance on your check register and statement are correct Aware of your account activity (wrong charges, duplicate charges, bank fees) 3

4 Check Register ATM Receipts Deposit Slips Current Bank Statement Calculator Pen/Pencil 4

5 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 5

6 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 6

7 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 7

8 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 8

9 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 9

10 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 10

11 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 11

12 Step One: Compare your bank statement and check registry to determine which transactions have been processed. 12

13 Step Two: Add any deposits listed in your check registry, but not on your statement. 13

14 Step Three: Subtract any outstanding check/debit purchases. 14

15 Step Four: Compare balance with your check registry. 15

16 Step Five: Adjust balance to include any service charges or other fees. 16

17 Step One: Compare your bank statement and check registry to determine which transactions have been processed. Step Two: Add any deposits listed in your check registry, but not on your statement. Step Three: Subtract any outstanding check/debit purchases. Step Four: Compare balance with your check registry. Step Five: Adjust balance to include any service charges or other fees. 17

18 Checking Account Previous Statement Balance on 4/19/12 $ Total of 4 Deposits $ Total of 8 Withdraws $ This Statement Covers 4/20/12-5/18/12 Checks & Other Debits Deposits & Other Credits Fees & Other Charges Check Date Paid Amount /11 5/12 Withdraws at ATM 4/28 5/01 5/13 Date Posted 4/25 5/02 5/09 Monthly Service Charge Non-Bank ATM Fee $ $15.00 $35.47 $48.00 $56.75 $60.00 $40.00 $ $ $ $ $ $7.99 $3.50 Current Balance (as of 5/18/12) $ Amount 18

19 Images: Microsoft Office Clip Art: Used with permission from Microsoft Websites: Financial Literacy Now Practical Money Skills Credit Union National Association How to Balance a Checkbook : How to Reconcile a Checkbook Source: YouTube Running Time: (4:03) Release Date: 10/18/

Copyright Texas Education Agency, All rights reserved.

Copyright Texas Education Agency, 2012. These Materials are copyrighted and trademarked as the property of the Texas Education Agency (TEA) and may not be reproduced without the express written permission