Accounting · Reconciliation services
Reconciliation is what makes books real.
A QuickBooks file isn’t accurate just because transactions are entered — it’s accurate when every account agrees with its statement, schedule, or filing. TechBrot’s Certified ProAdvisors reconcile every bank, credit card, loan, and balance-sheet account every month, so the books prove out instead of being assumed correct. Independent firm, not affiliated with Intuit Inc.
Account reconciliation is the monthly process of confirming that an account’s balance in the books matches the balance reported by its source — the bank statement, the credit card statement, the loan amortization schedule, the payroll filing, the merchant processor report. When the two agree, the account is reconciled; when they don’t, the difference is investigated and resolved. Done monthly, it’s what proves the books are real rather than assumed; skipped, it’s why files look fine and aren’t. TechBrot’s Certified ProAdvisors reconcile every bank, credit card, loan, payroll, merchant, and balance-sheet account as a chapter of month-end close, inside recurring monthly bookkeeping. Reconciliation is bookkeeping verification, not external audit or tax filing — those stay with your CPA.
Reviewed by the Certified QuickBooks ProAdvisor team at TechBrot Inc., an independent firm — not affiliated with Intuit Inc. Delivered inside monthly bookkeeping; not audit, review, or compilation, which are licensed CPA engagements.
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Real credentials held by our firm and operators — verification available on request.
Reconciliation, in five questions.
What is account reconciliation?
Confirming an account’s book balance matches its source — bank or credit card statement, loan schedule, payroll filing, processor report. When they agree, reconciled; when they don’t, the difference is investigated. It’s the step that proves the books are real.
Why is bank reconciliation important?
It’s the single most important verification in bookkeeping. Without it, missing, duplicate, or miscategorized transactions persist undetected, distorting every downstream report — financial statements, tax returns, lender packages. Reconciled is the minimum standard for treating books as accurate.
What accounts should be reconciled?
Every bank, credit card, loan, line of credit, and merchant processor, plus balance-sheet accounts: payroll liabilities to filings, deposits held, prepaids, intercompany — any account whose book balance should match a verifiable external figure.
How often?
Monthly, as part of month-end close, on a published calendar. Year-end-only means errors compound for twelve months — far more expensive to fix than catching them in the month they happen.
Reconciliation, plainly.
Account reconciliation is the monthly process of confirming that an account’s balance in the books matches the balance reported by its source — the bank statement, the credit card statement, the loan amortization schedule, the payroll filing, the merchant processor report. When the two agree, the account is reconciled; when they don’t, the difference is investigated and resolved. Done monthly, reconciliation is what proves the books are real rather than assumed; skipped, it’s why files look fine and aren’t.
TechBrot’s Certified QuickBooks ProAdvisors reconcile every bank, credit card, loan, payroll, merchant, and balance-sheet account as a structured chapter of month-end close, inside recurring monthly bookkeeping. Where past periods are unreconciled, we resolve them through catch-up or cleanup first, then transition you into a clean monthly cadence. Reconciliation is bookkeeping verification, not external audit or tax filing — those stay with your CPA. Independent ProAdvisor firm — not affiliated with Intuit Inc.
Every account that should agree with something external.
Skipping any of these is how books pass a glance and fail a real review.
Bank accounts
Every checking and savings account reconciled to bank statements monthly. Every transaction, every deposit in transit, every outstanding check accounted for — and the reconciliation-discrepancy account cleared to zero, not left as a plug. The single most-skipped step in DIY bookkeeping.
Credit cards
Every credit card account reconciled to monthly statements. Charges, payments, refunds, and statement credits all confirmed against source — not just imported from the feed and assumed correct.
Loans & lines of credit
Loan balances reconciled to lender statements and amortization schedules, with principal, interest, and escrow split correctly. The reason most P&Ls overstate expense and most balance sheets carry the wrong loan balance.
Payroll liabilities
Payroll tax liability accounts reconciled to filed payroll returns and remittances. Where payroll runs separately from bookkeeping, this is exactly where the discrepancy hides.
Merchant & processor accounts
Stripe, Square, PayPal, Shopify Payments, Toast, and similar — deposit summaries reconciled to QuickBooks, separating gross revenue, fees, refunds, and tax collected from the netted deposit, and clearing undeposited funds so nothing double-counts.
Balance-sheet accounts
Deposits held, prepaid expenses on amortization, intercompany balances, accrued liabilities, and any beginning-balance mismatch run to ground — every balance-sheet account that should match a source, confirmed monthly. The work that separates real books from approximately-right books.
If any of these sound familiar, the answer is yes.
Most owners reach for professional reconciliation when “the bank feeds match” stops being good enough.
Your accounts haven’t been reconciled in months.
If the last time anything was reconciled was last year, everything sitting on top of those books — statements, taxes, decisions — is provisional. Catch-up or cleanup gets you back to a known-good baseline.
Your bank balance and book balance disagree.
If you can’t explain in 60 seconds why the numbers differ, the books aren’t reconciled. After timing items, they should always agree — and a stuck difference usually means a duplicate, a missing entry, or a beginning-balance error.
Bank feeds are accepted without review.
Auto-matched bank feeds aren’t reconciliation — they’re imports. Without statement-to-book confirmation, duplicates and missing transactions stay invisible until an account is actually reconciled to its statement.
Credit cards are tracked through transfers only.
A credit card that’s only entered when it’s paid off isn’t reconciled — the expense detail and the running liability are both wrong all month, and the year-end balance is anyone’s guess.
Your CPA is doing reconciliation at year-end.
If your tax professional reconciles your books in January, you’re paying CPA rates for bookkeeping work. A real monthly close eliminates that handoff cost and the surprises that come with it.
A lender, board, or buyer needs to verify the numbers.
External parties test reconciliation as the first credibility check. Unreconciled accounts fail that test fast — even when the underlying numbers are close to right.
How reconciliation actually happens.
Same shape every month — not a once-a-year scramble.
Statements & source documents in
Bank and credit card statements post, loan statements arrive, payroll filings land, processor reports become available — everything reconciliation needs is gathered in one window after month-end.
Account-by-account reconciliation
Each account reconciled to its source. Differences investigated, missing transactions added, duplicates removed, categorizations corrected, and any reconciliation-discrepancy plug cleared rather than carried.
Balance-sheet & intercompany
Payroll liabilities to filings, deposits to source, prepaids to schedule, intercompany to counterparty. The work that catches what bank reconciliation alone misses.
Review & lock
Balance-sheet review against expectations, period locked, financial statements produced from numbers that are now real. The reconciliation chapter of close is done.
Reconciliation vs audit, vs feeds, vs hope.
What reconciliation is, what it isn’t, and what stays with licensed professionals.
Reconciliation is
Monthly confirmation that book balances match external sources — statements, schedules, filings, processor reports. Investigation and resolution of differences, with the reconciliation-discrepancy account cleared to zero rather than left as a plug. Documentation that the account is reconciled. The verification step inside month-end close.
Reconciliation isn’t
Audit, review, or compilation — those are licensed CPA engagements that opine on financial statements. Bank-feed matching — that’s an import, not a reconciliation. A “reconciliation report” pulled from QuickBooks without source verification. And it isn’t tax filing.
We coordinate with
Your CPA or EA for any formal engagement built on the reconciled books. Your bank, lenders, and payroll provider for source documentation. Your prior bookkeeper for handoff when transitioning files. Licensed work stays with licensed professionals.
Reconciliation is the floor every other report stands on.
Once accounts reconcile each month, the rest of the practice can do its job: financial statements become trustworthy, KPI reports show what’s really happening, cash flow forecasts sit on real numbers, and your CPA stops doing bookkeeping at tax time. A reconciled file is the one that survives an audit, a lender’s review, or a buyer’s diligence without a scramble.
Most TechBrot clients run reconciliation inside monthly bookkeeping and then layer advisory on top — up to a fractional CFO seat when the work becomes continuous. As automation handles the routine, reliable reconciliation is the operational discipline that earns the right to do everything else. Explore advisory
Reviewed by the ProAdvisor team.
This page reflects how TechBrot performs account reconciliation. It is maintained by the Certified QuickBooks ProAdvisor team at TechBrot Inc., a Delaware-incorporated independent ProAdvisor firm, and reviewed for accuracy on reconciliation methodology, source-document standards, and the boundary with licensed CPA engagements. Where our approach or scope changes, this page is updated. Reconciliation is delivered inside monthly bookkeeping on a published close calendar and coordinated with your CPA for filing and any formal engagement.
QBO L2
Active Intuit ProAdvisor across QBO L2, Desktop, Enterprise, Payroll
Scope
Bank, credit card, loan, payroll, merchant, balance-sheet reconciliation — not audit, review, or compilation engagements
Fixed-fee
Written scope before work · delivered in your own QuickBooks file on a published close calendar
Independent
Not affiliated with Intuit Inc. · QuickBooks is a registered trademark of Intuit Inc.
Page last reviewed: May 2026.
Reconciliation questions.
What is account reconciliation?
Why is bank reconciliation important?
What accounts should be reconciled?
How often should reconciliation happen?
What if my accounts haven’t been reconciled in months?
What does reconciliation cost?
Ready when you are
Get books that reconcile — every month.
Book a 30-minute discovery call. A Certified ProAdvisor reviews where your reconciliation stands, what catch-up or cleanup work might be needed, and the right next step — written fixed-fee scope within 3 business days. No pitch.