Keys to keeping track

If your goal is to control the money you have, here are the five steps to get you there. Click each step to learn more.


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Control my own $

Save your receipts

Every time you make a transaction using an ATM card, debit card, or check, save the receipt you receive and record the information in your register.

Record transactions

Use your transaction register to add deposits, subtract withdrawals, and track your current balance. Remember: some transactions may not have been processed by your bank yet!

Avoid over-spending

Keeping track of your account balance will help you avoid spending more than you have in your checking account. This can help you avoid having your debit card transactions declined or having your other transactions paid into overdraft or returned unpaid by the bank.

Review statements

Each month, the bank will send you a statement. It lists your balance at the beginning and end of the statement month, and all transactions that the bank has processed during the statement month.

Compare with bank

Every month, review your statement along with your register and your receipts to make sure that your records and the bank’s records agree. This is called reconciling, or balancing, your account.
Click the Next button for a closer look at how to use your transaction register.
If your bank offers online banking, you won’t have to wait for your statement to review your account activity. Online banking gives you access to review your accounts any time.
It’s your money Keys to keeping track How to use your transaction register How to read your statement How to reconcile your account Avoid overdrafts! Question 1 Question 2 Question 3 Question 4 Question 5 Mackenzie at the mall