- Assists in reconciling a bank statement. Enter the ending balance from your checkbook and the ending balance from your bank statement. In the two tables, enter the outstanding deposits (those in your checkbook but not on the statement) and outstanding withdrawals, one per line. If there are none, enter 0.The difference is negative if the bank statement is higher than the checkbook balance. The difference is positive if the checkbook balance is higher than the bank statement. Ideally the result should equal zero after entering all fields.