I am sure everyone here tries to balance their check book faithfully every time there is an entry. I tried but over the years there is a gradual build up of + discrepancy (to my favor) between my book and the banks statement. Right now the discrepancy is about + $4000.00. But I have never been able to consider spending the amount of $ beyond what my own book indicates, for fear that anytime the bank is going to catch up with it. I know most likely they are correct.
What are your experience with your own record vs the banks?