Bank reconciliation

Reconciling means checking that what the bank says happened matches what your books say happened. Habitia does the tedious part: upload the statement, and every row is matched against the posted entries on your bank account.

Requires double-entry accounting to be enabled.

Open Reports → Accounting → Bank Rec.

Running a reconciliation

1. Export the statement period as CSV from your bank’s website. Common formats work out of the box — Date / Description / Amount columns, or separate debit and credit columns, with English or Spanish headers.
2. Pick the bank account (usually 1100 — Bank — Operating) and, if you like, adjust the match window — how many days apart a bank row and a book entry can be and still count as the same transaction (default 3; ACH often settles a day or two after you record it).
3. Click Upload bank statement CSV.

Nothing is saved — it’s an analysis you can re-run as often as you want.

Reading the result

• Matched — rows where the bank and your books agree (same amount, dates within the window).
• On the statement, missing from the books — money moved at the bank that Habitia has no entry for. Usually an unrecorded expense or a deposit that wasn’t logged. Record it, then re-run.
• In the books, not on the statement — entries Habitia has that the bank doesn’t show for this period. Usually timing (a check that hasn’t cleared) — or a data-entry error worth a look.
• Net difference — statement total minus book total. $0.00 green means you’re reconciled.

Both discrepancy tables export to CSV for your accountant.

Tip: Reconcile monthly, right before closing the period. A closed, reconciled month is a month you never think about again.