Wingenit,It is one thing to go in and mark items in your register that have cleared the bank. But this is not the same as reconciling your account. To reconcile you must compare two sets of data with each other through a specified date. When you download info from your bank this is nothing more than a convenience to save you time making all those entries. But you still need to check them for accuracy. You should be checking your ATM/debit card receipts to make sure the amounts are the same. This is true for all transactions including written checks and deposits.You only need reconcile once a month when your statement comes in the mail and be sure that you don't just compare what you have downloaded with the paper statement. Why? Because the data is from the same source and you are not really comparing anything if you do. If you receive your cleared checks with your statement, make sure the dollar amount written on the check is the same as on the statement. If you made a deposit, compare the receipt you received at the time with what the statement says.The fact that on any given day your bank's balance doesn't always match Quicken's balance is not surprising. If you have written checks that you send by mail, they may not have been presented to the bank yet so your balance would differ from Quicken's. Even electronic transfers and payments you make will not always post on the day you think. And of course there are those pesky fees and maybe some interest as well that needs to be accounted for. Don't assume you have made a mistake when these accounts don't balance. Check your figures and the bank's and don't have Quicken automatically adjust the balance till you have found the problem. Otherwise your next reconcile will be based on incorrect data and you will continue to have trouble.Good luck,Kurt
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