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Course 151 · Money course 22

Manage Bank Transactions and Reconcile a Statement

Practice manage bank transactions and reconcile a statement with complete fictional records, worked calculations and changed-input checks.

Before you start

Use the supplied fictional case; paper and a calculator are sufficient.

Build a Budget That Runs Itself See everything you’ll need

Free download · Original practice data · No external account required. Download the starter pack

What you’ll leave with

A fictional personal-account register reconciled to a statement, with pending items, availability, fees and an error-report draft.

Start course Start without an account. Sign in to save lesson progress across devices.

Your project

Start with the practice files. Build your project one lesson at a time.

Practice files are free without an account. Sign in to save your project record in My Proof: a description, checklist, and optional work link. Keep the original files in your own app or notebook; saving a project record does not upload them.

  1. Get your materialsDownload practice filesSupplied practice cases, a blank working record, complete lesson instructions, and annotated worked examples.
  2. Make your projectView the project checklist Work in your own notebook, document, or software. Use the supplied practice examples when you prefer.
  3. Keep a private recordSave a project record Sign in to save a description and checklist, then return to update them.
Course handbook

Know the route before you begin.

Here’s what you’ll need and what you’ll make. You can return to this guide during any lesson.

Who this is for

Learners ages 14+ practicing independently; adult-only transactions are studied as fictional future decisions.

Prepare before lesson one
  • Use the supplied fictional case; paper and a calculator are sufficient.
  • Recommended preparation: Build a Budget That Runs Itself. Do not supply private financial documents.
Your final project

Finish with proof you can use.

A fictional personal-account register reconciled to a statement, with pending items, availability, fees and an error-report draft.

Save a project record in My Proof
See project checklist and review criteria

Keep your working files in your own notebook or software. Save a private description, checklist, and work link in My Proof.

What to include

  • An account-service and annual-fee comparison with unanswered eligibility questions.
  • A posted/available/uncommitted balance worksheet with each commitment counted once.
  • A running-balance register with transaction identities, types and posting states.
  • A two-sided bank reconciliation with an unmatched-item log.
  • A transaction-specific error inquiry and follow-up log.
  • A paper account-move checklist with a retained-funds calculation and closure conditions.

Review and revise

Use these criteria to check your work and choose what to improve.

  • All supplied records reconcile and the decision uses the named case rules.
  • Calculations show units, intermediate values and a second check.
  • Changed-input practice revises the affected result and identifies uncertainty.
  • The final project combines six lesson records, separates fictional assumptions from current rules, and states a supported next step.
Three ideas to help you along the way
Three useful ideas

The rules behind the steps.

01

Trace the money

For manage bank transactions and reconcile a statement, keep the source amount, transformation and resulting balance together.

02

Keep the assumption visible

Use the stated rate, date, permission and case rule; a real arrangement can produce a different result.

03

Test the decision

Use a changed input and a clear stop or review condition before turning this practice into an action.

What do these words mean?
Key words

Key terms worth knowing.

Posted balance
The balance from transactions recorded by the institution.
Hold
A temporary restriction on availability under the account’s terms.
Register
Your dated record of individual account movements.
Reconciliation
An explanation that brings independently adjusted records into agreement.
Your route

6 lessons.
One useful project.

Work in order the first time. Each lesson makes something the next lesson can use.

  1. 1
    Up next

    Read the account terms

    Compare stated account services and recurring fees for a specified transaction pattern.

  2. 2
    8 min

    Distinguish posted and available balances

    Calculate money uncommitted after distinct holds and unpresented payments.

  3. 3
    10 min

    Maintain a payment register

    Build a dated transaction register and distinguish transfers from consumption.

  4. 4
    15 min

    Reconcile a personal bank statement

    Reconcile a register and bank statement using supported book adjustments and timing differences.

  5. 5
    10 min

    Document an account error

    Compare a receipt with a posted debit and draft a factual account-error inquiry.

  6. 6
    13 min

    Audit a month and plan an account move

    Audit recurring routing and calculate funds that can move after retained obligations.

Use the tools

Tools to help you practice.

See all tools
ZIP · practice files

Manage Bank Transactions and Reconcile a Statement practice files

Supplied practice cases, a blank working record, complete lesson instructions, and annotated worked examples.

Text worksheet

Your course project worksheet

A downloadable text worksheet with each lesson’s working output, space for your answers, and the shared final-project checklist. Save your own copy.

Source transparency

Sources and further study.

Explore the references behind the lessons and take your learning further. Source notes explain access and reuse.

CFPB — Bank accounts
Source & access notes · checked 2026-10-01

Official page opened/read during Money expansion authoring; checked the relevant concept and access state. These sources do not establish funding eligibility.

Access: Readable official webpage inspected with the web reader on 2026-10-01. No interactive-tool operation is claimed.

Reuse: Original fictional practice, questions and calculations; paraphrased concepts with a source link. No source exercise copied.

CFPB — How long can a bank or credit union hold funds I deposited?
Source & access notes · checked 2026-10-01

Official page opened/read during Money expansion authoring; checked the relevant concept and access state. These sources do not establish funding eligibility.

Access: Readable official webpage inspected with the web reader on 2026-10-01. No interactive-tool operation is claimed.

Reuse: Original fictional practice, questions and calculations; paraphrased concepts with a source link. No source exercise copied.

CFPB — Unauthorized transactions or missing money from a bank account
Source & access notes · checked 2026-10-01

Official page opened/read during Money expansion authoring; checked the relevant concept and access state. These sources do not establish funding eligibility.

Access: Readable official webpage inspected with the web reader on 2026-10-01. No interactive-tool operation is claimed.

Reuse: Original fictional practice, questions and calculations; paraphrased concepts with a source link. No source exercise copied.

Ready when you are

Start with the first useful move.

You’ll always know what to do, what to make, and where to go next.

Start lesson one