Behind on your books? Free catch-up assessment — no obligation.
Ensure your records match your bank statements with our detailed reconciliation services.
Bank feeds are good at guessing and bad at admitting when they guessed wrong. A feed drops for four days and nobody notices. A payment gets entered manually and then imported again. The ledger balance and the statement balance drift apart quietly, and once they do, every report built on top of them is wrong by the same amount.
The specifics, rather than a bullet list you have to interpret.
A bank feed is a convenience, not a source document. We reconcile against the actual monthly statement, because that is the record the bank will stand behind and the one your CPA will ask for. Feeds miss transactions, re-import old ones after a connection breaks, and occasionally change a date after the fact.
A check written on the 28th that clears on the 3rd is not an error, but it does need to be recorded as outstanding rather than deleted or re-entered. We keep a running list of deposits in transit and uncleared checks so the difference between your book balance and your bank balance is always explainable in one sentence.
Duplicates come from the same three places: a manual entry that also imported, a feed reconnection that pulled history twice, and a payment recorded against the wrong invoice and then recorded again correctly. Each one overstates an expense or a payment. We find them by comparing amount, date and vendor across the period rather than trusting the software to spot the match.
Reconciliation is the closest thing a small business gets to an internal control. When one person handles both the invoices and the bank, an outside review is what catches a vendor payment that went somewhere unexpected, a card charge nobody recognizes, or a recurring subscription that quietly renewed at four times the price. We are not investigators, but we raise anything that does not look right.
Stripe, PayPal, Square and Shopify payouts are where most reconciliations fall apart, because the deposit that hits your bank is net of fees, refunds and chargebacks. We reconcile the processor to the gross sales and book the fees separately, so your revenue is your actual revenue rather than whatever landed in the account.
If previous periods were closed with a forced adjustment, we go back and find what the adjustment was hiding. That usually means a handful of unrecorded transactions or a beginning balance that was never right. Fixing it once is cheaper than carrying a wrong number forward through every future statement.
Bank reconciliation is crucial for maintaining accurate financial records and detecting discrepancies early. Our team performs thorough monthly reconciliations, matching your internal records with bank statements to identify any errors, unauthorized transactions, or missing entries.
We ensure every transaction is accounted for, providing you with accurate financial data for better decision-making.
No ambiguity about what you are paying for. These are the artifacts, and when each one arrives.
Only the first step needs anything from you.
A short call and a look at the file to see how many accounts are connected, when each was last genuinely reconciled, and whether there are forced adjustments sitting in the history.
Before monthly work begins we get every account agreeing to its statement, including any prior periods that were closed incorrectly. This is quoted separately if the gap is large.
Each account is reconciled against its statement as part of the monthly close by the 10th. Anything that does not tie is on your desk with a question attached rather than buried in an adjustment.
If that is you, say so on the call. We would rather point you somewhere better than take on work we are not the right firm for.
The honest trade-offs. Plenty of businesses are better off with one of the other two.
| With Feather | Doing it yourself | Hiring in-house | |
|---|---|---|---|
| What it is matched against | The monthly bank statement | Whatever the feed imported | Depends on the hire |
| Unexplained differences | Listed and chased until resolved | Adjusted away to make it close | Often adjusted away too |
| Processor payouts | Reconciled gross, with fees booked separately | Recorded as one net deposit | Frequently missed |
| Separation of duties | Someone outside the business checks the bank | The same person does everything | Only if you employ two people |
| Frequency | Every account, every month | Before tax season, if at all | Varies |
Whichever service you pick, the same bookkeeper handles your account every month — someone who understands how your business actually runs and can spot the things a rotating team never would.
Anything we have not covered, ask on the call — it is free and there is no follow-up sequence.
QuickBooks suggests matches and marks items cleared. It does not verify that the ending balance agrees with your statement, and it will happily let you close a period with a difference forced into an adjustment account. The work is in resolving the difference, which is still a human job.
Most clients combine two or three. The flat rate covers whatever you pick.
Tell us where things stand and we'll show you exactly what bank reconciliation would look like for your business — with a flat rate and a start date in 20 minutes.