--- title: How to reconcile a bank account? description: This article discusses how to reconcile a bank account in a Trust Account register. --- [Skip to content](https://help.themortgageoffice.com/knowledge/how-to-reconcile-account#main-content) [![TMO-LO~1](https://help.themortgageoffice.com/hs-fs/hubfs/TMO-LO~1.png?width=200&height=65&name=TMO-LO~1.png)](https://www.themortgageoffice.com/) - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) Open main navigation Close main navigation - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) - [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new) [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new?hsLang=en) How can we help you? - There are no suggestions because the search field is empty. 1. [Knowledge Base](https://help.themortgageoffice.com/knowledge?hsLang=en) 2. [Trust Accounting](https://help.themortgageoffice.com/knowledge/trust-accounting?hsLang=en) 3. [Register](https://help.themortgageoffice.com/knowledge/trust-accounting?hsLang=en#register) October 9, 2026 # How to reconcile a bank account? ## This article discusses how to reconcile a bank account in a Trust Account register. Reconciling the trust bank account is the process of **verifying** that all the items you have entered into your trust account **match** with what the paper bank statement shows, and that you have **accounted** for all items such as checks written, and deposits made. Some of these items may have been **created** and **entered** in the trust account but have not yet been **recorded** by the bank. These items are referred to as "**Outstanding Items**". The most common Outstanding Items are **checks** that have not yet cleared the bank and **deposits** in transit which the bank has not yet received or credited to your bank account. ### To reconcile a bank account: - Click the ![users](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/users.png?width=15&height=15&name=users.png) **Trust Accounts** drop-down in the left panel of The Mortgage Office®. - From the list of Trust Accounts that are listed, **select** the **trust account** drop-down to reconcile the bank account in. - From that drop-down, click **All.** - In the grid, click ![action](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/action.png?width=16&height=16&name=action.png) from the options available on top panel and select ![refresh](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/refresh.png?width=15&height=15&name=refresh.png) **Reconcile Bank Account.** - The ![ach](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/ach.png?width=15&height=15&name=ach.png) **Reconcile:** window opens populated with a list of unreconciled deposits and other credits. - **Enter** the following information under the Bank Statement section: | **Field:** | **Description:** | | --- | --- | | **Opening Date** | Enter the bank statement's **opening date**. TIP: The first time you do a bank reconciliation, this field will be blank, thereafter, the system will **assume** the opening date to be one day after the last reconciliation's closing date. | | **Closing Date** | Enter the bank statement's **closing date**. | | **Opening Balance** | Enter the bank statement's **opening balance**. TIP: The first time you do a bank reconciliation, this field will be blank, thereafter, the system will **assume** the opening balance to be the closing balance from the last reconciliation. | | **Closing Balance** | Enter the bank statement's **closing balance.** | - In the **Reconciliation Summary** section, the fields are **read-only** but contain the following information: | **Field:** | **Description:** | | --- | --- | | **Adjusted Bank Balance** | The **Adjusted Bank Balance** is updated if balanced are adjusted, as deposits and checks are cleared. | | **Trust Account Balance** | This is the trust account balance as of the **Reconcile As Of** date. | | **Unreconciled Difference** | This is the difference between the **Adjusted Bank Balance** and the **Trust Account Balance**. When you are finished reconciling, this amount should be **zero**. If the unreconciled difference is **not zero** after marking the cleared items, you need to **audit** your records to determine where the difference lies.   Click **Finish Later** to save your work and exit and make the necessary **corrections**. Then you may return to **reconcile** your bank statement. | - In the **Trust Account** section, enter and view the following information: | **Field:** | **Description:** | | --- | --- | | **Reconcile As Of** | Enter the **date** through which you want to reconcile your bank statement. Typically, one reconciles the bank to **today's** date, but you may want to reconcile to the end of the month, or the end of the quarter, or to a particular reporting date.   This date will affect which transactions are **displayed** in the reconciliation screen.  **For example:** if you select a date prior to today's date, transactions entered after the date you selected will not be displayed. | | **Outstanding Deposits** | This **read-only** field contains the number and total dollar amount of **outstanding deposits.** | | **Outstanding Checks** | This **read-only** field contains the number and total dollar amount of **outstanding checks.** | - In the **Cleared Items**, view the following information: | **Field:** | **Description:** | | --- | --- | | **Cleared Items** | As checks and deposits are cleared, the numbers and amounts of the checks and deposits is reflected in the **Cleared Items** boxes. You can use this box as a calculator when checking off items to arrive at a desired total. NOTE: These boxes does not affect processing in any way and can be cleared by clicking the blue **Reset** hyperlink to clear the totals. TIP: You can use this counter to **keep track** of running totals. **For example:** if you have a deposit that is made up of five checks and you want to make sure that the sum of the five checks you have just cleared equal the deposit amount on the bank statement, reset the counter, then clear the five checks and you will see the total of the deposit. | - Under the **--- Deposits & Other Credits ---** and the **--- Checks ---** sections, use the options in the Toolbar to take different actions without exiting the reconciliation window. - The available options are: | **Field:** | **Description:** | | --- | --- | | ![edit](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/edit.png?width=15&height=15&name=edit.png) | Click to **Edit** a transaction.  For additional information, see [Edit Transactions.](https://help.themortgageoffice.com/knowledge/how-to-edit-a-transaction?hs_preview=sSgmxYQm-113768451452&hsLang=en) | | ![delete](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/delete.png?width=15&height=15&name=delete.png) | Click to **Delete** a transaction. For additional information, see [Delete Transactions](https://help.themortgageoffice.com/knowledge/how-to-delete-a-transaction?hs_preview=vJxnAOPT-113770831027&hsLang=en). | | ![action](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/action.png?width=15&height=15&name=action.png) | Click this drop-down to access additional actions to take:  Button:  Action: Enter Deposit  Click to enter a Deposit. For additional information, see Enter Deposits Enter Check Click to enter a Check. For additional information, see Enter Checks. Enter Adjustment Click to enter an Adjustment. For additional information, see Enter Adjustments. Transfer Funds Click to Transfer funds. For additional information, see Transfer Funds. Void Transaction Click to Void the transaction. For additional information, see Void a Transaction. Make Bank Deposit Click to make a Bank Deposit. For additional information, see Bank Deposit. Maximize Deposits & Credits Check this box to maximize the --- Deposits & Other Credits --- section and to hide the --- Checks --- section from view.  Maximize Checks Check this box to maximize the --- Checks --- section and to hide the --- Deposits & Other Credits --- section from view. | | ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-May-30-2023-04-25-42-0296-PM.png?width=26&height=21&name=image-png-May-30-2023-04-25-42-0296-PM.png) | Click to **Group** or **Ungroup Deposits** and display your bank deposits in either summary (the total deposit amount) or detail (each individual check that makes up the deposit). | | ![export-to-excel](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/export-to-excel.png?width=15&height=15&name=export-to-excel.png) | Click to **Export** either the Deposits & Other Credits section **or** the Checks section of the grid to Microsoft **Excel**. | - Click ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Sep-20-2023-05-48-37-2605-PM.png?width=59&height=21&name=image-png-Sep-20-2023-05-48-37-2605-PM.png) **Finished** once you've completed reconciling and the Unreconciled Difference is **zero** ($0.00). TIPS: - If the reconciliation report has **not** been printed, you'll be asked to print it. - Click ![YES button](https://help.themortgageoffice.com/hs-fs/hubfs/YES%20button.png?width=72&height=25&name=YES%20button.png) **Yes** to print the report, ![NO button](https://help.themortgageoffice.com/hs-fs/hubfs/NO%20button.png?width=70&height=24&name=NO%20button.png) **No** to not print the report or ![CANCEL](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/CANCEL.png?width=68&height=27&name=CANCEL.png) **Cancel** to abort the changes. - A copy of the bank reconciliation statement is automatically **saved** as an **attachment**. - Click ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Sep-20-2023-05-51-42-8603-PM.png?width=70&height=25&name=image-png-Sep-20-2023-05-51-42-8603-PM.png) **Finish** **Later** to save your work and exit the reconciliation. - You may return to **continue** the reconciliation at a later time. - Click ![Print button](https://help.themortgageoffice.com/hs-fs/hubfs/Print%20button.png?width=69&height=23&name=Print%20button.png) **Print** to open the **Bank Reconciliation as of XX/XX/XXXX** print preview window containing the bank reconciliation statement. - Click [here](https://help.themortgageoffice.com/knowledge/how-to-use-the-print-preview-window?hsLang=en) to learn more about print preview windows. - Click ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Sep-20-2023-05-52-51-5700-PM.png?width=74&height=29&name=image-png-Sep-20-2023-05-52-51-5700-PM.png) **Mark All** to mark all items as cleared. - Click ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Sep-20-2023-05-53-07-8849-PM.png?width=66&height=27&name=image-png-Sep-20-2023-05-53-07-8849-PM.png) **Unmark** **All** to mark all items as unreconciled. ### Troubleshooting If you receive the following error message when attempting to reconcile a trust account: > **"Unable to load reconciliation grid. This account is either being reconciled or reconciliations are being edited by user 'name@themortgageoffice.com.com'. Please make necessary changes and try again."** This indicates that the account is currently locked because another user is editing or has an incomplete reconciliation session open for that trust account. **To resolve this issue:** 1. **Check if the user listed in the error message** (for example, *name@themortgageoffice.com.com*) is currently working on the reconciliation or has an incomplete session open. 2. If the user is actively working, ask them to **finish or exit the reconciliation process**. 3. If the user is no longer available or cannot close the session, do the following: - Click the **⚙️ Gear icon** (Settings). - Under the **Options \> General** tab, scroll to the bottom. - Click the **Clear Database Resources** button. 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