Do you still balance your checkbook monthly?

Check out this video regarding a new 2026 IRS rule regarding checking account limits:
No new news here. It is not about how much is in the account, but movement of money. We move/pay 5 figures same day all year around. Worrying about it is equivalent to wearing a tin can over your head.
 
No new news here. It is not about how much is in the account, but movement of money. We move/pay 5 figures same day all year around. Worrying about it is equivalent to wearing a tin can over your head.
Correct although I prefer the idea of an aluminum foil hat.

The Currency Transaction Report has been around for a while and deals with currency, meaning physical dollar bills.
When was the last time you even had a bag with $1000 in it, a mix of various dollar bill denominations?

I use Electronic Fund Transfers and credit cards for almost everything nowadays...
 
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I use a simple spreadsheet. I record every credit card transaction and check them off when I pay the bills. Also record all other bill pays, one or two checks a year, and any deposits. I then balance my register once to three times a month based on the online checking account balance. I often have disconnects but most of these seem to be transactions that the bank or CC has in progress but don’t show up in the totals.
 
Old school here…I keep a check register and balance it monthly when I get the bank statement. Since I pay so many bills online I run out of register before I run out of checks. I buy a pack of check registers from Amazon.
 
Old school here…I keep a check register and balance it monthly when I get the bank statement. Since I pay so many bills online I run out of register before I run out of checks. I buy a pack of check registers from Amazon.
My bank will give me free registers. All I have to do is stop in and ask. They'll even give me new register holders if I ask.
 
don't you keep an up to date current balance?
Yes. I enter every transaction when it occurs but I do occasionally miss one or a math error sneaks in. That’s what balancing is for, to catch things like that.
 
I don’t understand why any of you are using a paper checkbook register in 2026. Virtually all spreadsheet programs made in the last 35 years have included a checkbook register spreadsheet. It’s free and never makes a calculation error.
 
A spreadsheet certainly can make balancing easier, but upon writing a check, I find it easier to enter the amount in the register by hand.
 
I don’t understand why any of you are using a paper checkbook register in 2026. Virtually all spreadsheet programs made in the last 35 years have included a checkbook register spreadsheet. It’s free and never makes a calculation error.
It’s a lot quicker to jot a transaction in my paper register than to get up from my desk, move over to the computer, log in, open a spreadsheet, and enter the transaction there.

That said, I didn’t know there was a checkbook register spreadsheet. I will have to check that out. We’re away but when we get home later this week I will do that.
 
I don’t understand why any of you are using a paper checkbook register in 2026. Virtually all spreadsheet programs made in the last 35 years have included a checkbook register spreadsheet. It’s free and never makes a calculation error.
Because I do not have my laptop with me when I'm out somewhere and have to write a check. Our local landfill does not accept credit or debit cards. Our town water department charges a fee if you use a card. Those are pretty much the only checks I write anymore.
 
Because I do not have my laptop with me when I'm out somewhere and have to write a check. Our local landfill does not accept credit or debit cards. Our town water department charges a fee if you use a card. Those are pretty much the only checks I write anymore.
Do you know the amounts of those checks in advance? If so you could write them at home.

I don’t think I’ve written a check outside of the house for probably 25 years or more. I recall I used to carry one check in my wallet just in case though don’t think I ever actually used it.
 
I'm one of the rare people that collects credit card receipts at the point of sale, but I take a photo of the gas pump if the printer doesn't work. Every paper (and photo) receipt goes into my tracking application, usually every week or two. When the bill comes, I use the app by entering the ending balance, and ticking off each item.

DW had one yesterday where she was exactly $27 off. I said look for a transposed pair of digits, but she didn't find one. You might be looking through 20 or 30 transactions and miss the $769.37 should have been $796.37.
 
Do you know the amounts of those checks in advance? If so you could write them at home.

I don’t think I’ve written a check outside of the house for probably 25 years or more. I recall I used to carry one check in my wallet just in case though don’t think I ever actually used it.
When we wrote a bunch of checks monthly (back in the 90s!!!) we got a printer set up for printing checks, you could order a continuous ream of printable checks. That’s what first got us using Quicken - it was so much easier. Everything was on the computer (including register) because we almost never hand wrote a check.

But I still got away from printing checks and mailing them as soon as I could. By 2005 it was almost all ebill pay and almost no mailing at all since the bank handled the mailing. Even easier!
 
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