Short answer: Bank reconciliation services in the Inland Empire prove that every deposit and payment in your books matches the bank or card statement, and that the ending balance matches to the cent. Every bank, card, loan and merchant account gets reconciled monthly. Differences are fixed rather than plugged, and each month ends with a report your CPA can review.
What reconciliation actually means
Reconciling means proving that every deposit and every payment in your books matches the bank or card statement for the month, and that the ending balance matches to the cent. Not close. Exact.
A bank feed is not a reconciliation. The feed brings lines in. Reconciling checks that nothing is missing, nothing is doubled and nothing was deleted.
What we usually find when accounts do not tie
- Checks written but never entered, or entered twice
- Transfers between accounts recorded as income or expense
- Merchant deposits recorded at the gross amount while the bank shows the net after fees
- Fuel card or credit card payments counted as an expense and again as card charges
- Old outstanding checks from years ago that will never clear
- A previous reconciliation that was forced to balance
Why it matters beyond the books
An account that does not reconcile is how small problems hide: a double charge from a vendor, a customer payment that went to the wrong account, a recurring subscription nobody uses, or a check that was cashed twice. Monthly reconciliation catches these while they can still be disputed.
It also protects you. Unexplained differences are one of the first things a lender, a buyer or a tax examiner notices. Clean reconciliations, month after month, show that the numbers come from the bank and not from a guess.
Merchant deposits
Card machines and online payment apps rarely deposit the same amount you sold. They take fees, hold some sales for a day, and batch others together. If those deposits are not broken out, the bank will match and your sales will still be wrong. We tie each deposit back to the processor report.
How we reconcile
- Collect every statement Every bank, card, loan and merchant account, for every month in scope.
- Start from a good balance Find the last month that truly ties, or set a correct opening balance.
- Match line by line Each statement line is matched to a transaction in the books.
- Explain every difference Missing, doubled or wrong lines get fixed, not plugged.
- Save the report Each month ends with a reconciliation report your CPA can review.
Accounts that get forgotten
Owners often reconcile the main checking account and nothing else. The trouble usually hides in the others: a savings account used for tax money, a fuel card, the line of credit, a merchant account from the card machine, or a second business card the operations manager carries. All of them get reconciled.
Where we work
We keep books for businesses across Riverside County and San Bernardino County.
- Chino
- Corona
- Fontana
- Moreno Valley
- Murrieta
- Ontario
- Rancho Cucamonga
- Redlands
- Riverside
- San Bernardino
- Temecula
- Upland
Questions
How often should accounts be reconciled?
Every month, for every account. Monthly is the only way small problems stay small.
Can you reconcile past years?
Yes. That is part of catch-up or cleanup work, depending on whether months are missing or wrong.
What if a difference cannot be found?
We document it, tell you how big it is and where we looked. We do not hide it in a random account.
Does a bank feed mean my accounts are reconciled?
No. A bank feed imports transactions. Reconciliation checks the books against the statement balance and finds what the feed missed or doubled.
Do you reconcile loans too?
Yes. Loan balances in the books should match the lender's statement, with interest split out from principal.