Bank & Credit Card Reconciliation

Sunstone Ledger provides bank and credit card reconciliations so your balances match statements and your reports reflect reality.
The goal is simple: trustworthy books—every month, not only at year-end.

Reconciliation is the foundation of reliable bookkeeping. If balances don’t match, financial reports can’t be trusted.

Who this is for

  1. Businesses that need reliable monthly financial reports
  2. Owners whose QuickBooks balances don’t match bank statements
  3. Teams with multiple bank accounts and credit cards
  4. Businesses preparing for cleanup/catch-up or year-end review

What’s included

  1. Reconciliation of bank and credit card accounts to statements
  2. Identification of missing, duplicated, or misposted transactions
  3. Resolution of common issues (timing differences, duplicates, miscoding)
  4. Clean month-end close flow: transactions → reconciliation → review
  5. Brief notes on discrepancies found and what was corrected
  6. Recommendations to prevent repeat issues going forward

What’s not included (typical)

  1. Tax filing and IRS representation (separate service)
  2. Formal audit/assurance engagements
  3. Legal services or contract review
  4. Full historical cleanup across many months (handled as Cleanup & Catch-Up)

How it works

  1. Access: QuickBooks access + statements or connected feeds
  2. Match: match transactions and verify statement ending balance
  3. Fix: resolve duplicates, missing entries, miscoding, and common errors
  4. Close: confirm reconciled status and clean reporting baseline
  5. Maintain: keep a consistent monthly workflow to avoid drift

What you get each month

  1. Balances aligned to statements (bank + credit cards)
  2. Clean, consistent month-end baseline for reporting
  3. Short notes on key issues and what changed
  4. Action items to keep future reconciliations smooth

What we need from you

  1. QuickBooks Online access (admin if possible)
  2. Bank and credit card statements for the period (or connected feeds)
  3. List of all accounts to reconcile (bank + cards)
  4. Notes on special items (loans, owner transfers, payment processors)
Why reconciliation is essential for reliable reporting:
«Reconciliation — Why You Should Do It and Why It Matters».
How small bookkeeping mistakes build up over time:
«Three Common Bookkeeping Mistakes Small Business Owners Make».
Why clean books matter beyond tax season:
«Why Every Business Needs Bookkeeping».

FAQ

How often should reconciliations be done?
Monthly is standard. It keeps errors small, reports reliable, and the monthly close predictable.
What if balances don’t match?
We identify the cause (missing entries, duplicates, miscoding, timing differences) and correct it so the account can reconcile to the statement.
Do you reconcile both bank and credit cards?
Yes. Credit cards are often where duplicates and miscoding show up, so reconciling them is equally important.
Is reconciliation part of monthly bookkeeping?
Yes—reconciliation is a core step in monthly bookkeeping. If you only need reconciliations, we can scope it separately.
Can you handle multiple accounts?
Yes. Scope depends on number of accounts and transaction volume, and we’ll confirm it before starting.

Email us: how many bank/credit accounts you have and the months you need reconciled — we’ll recommend the best scope and next steps.