A bank statement is a summary of all the transactions on an account over a set period, usually a month. It shows the opening balance, each deposit and withdrawal, fees and the closing balance. Banks issue them to account holders, and people use them to reconcile their books, track spending and check for errors.
The set includes 33 bank statement templates, editable and free to download. There are short and simple layouts, detailed and extensive versions with a running balance and a basic bank statement format for teaching. Use one as a bank statement sample to learn how statements are read, or as a bank reconciliation template for your own records.
These templates are for personal bookkeeping, budgeting and training only. A lender, landlord or visa office will want the official statement issued by your bank, and presenting a self-made one as genuine is fraud.
For keeping your own financial records, see our deposit slip templates, petty cash log templates for small cash spending, and chart of accounts templates for organising your bookkeeping.
Best Bank Statement Templates:
Bank Statement Format Template
Short Bank Statement Template
Formal Bank Statement Template
Simple Bank Statement Template
Detailed Bank Statement Template
Extensive Bank Statement Template
Example Bank Statement Template
Sample Bank Statement Template
Exclusive Bank Statement Template
Informative Bank Statement
Reconciling Bank Statement Example Template
Basic Components of a Bank Statement Template
Bank statements differ slightly from bank to bank, but most share the same basic parts:
1. Basic Information of Bank:
The bank’s details: its name, address, email address and phone number.
2. Account Holder’s Information:
The account holder’s details: name, address, email address and phone number. The account holder can be an individual or a business; the same basic details apply to both.
3. Account Details:
The account details: the full account title and the account number. Check these carefully.
4. Date of Bank Statement:
The issue date and the period the statement covers.
5. Details of Transactions:
This is the most important part and takes up most of the statement. It lists every transaction on the account during the period, with dates and details.
Transactions are listed in date order, and the bank is responsible for including every one of them.
6. Summary of Account:
After the transactions comes a short account summary: the opening balance, total deposits, total withdrawals and the closing balance for the period.
Sample Bank Statement Templates
Bank Statement Guidance Template
Brief Bank Statement Template
Bank Reconciliation Statement
Practical Bank Statement Template
Professional Bank Statement
Bank Statement Guideline Template
Model Bank Statement Template
Practical Bank Statement Template
Special Bank Statement Template
Random Bank Statement Template
Detailed Bank Statement Template
Bank Statement Advantages
Following are some of the advantages of a bank statement:
- For effective and correct tax reporting, a bank statement can be used as an important supporting document.
- It gathers every transaction for a period in one document, which serves as proof of all account activity.
- When a business applies for a loan, the lender asks for several documents, and bank statements are usually among the most important.
- A bank statement is a great way to track or keep record of all the un-presented or un-collected checks.
- Bank statements give the figures behind major business decisions and budgets.
- A bank statement lets you reconcile the account in your books with the bank’s records, so errors and discrepancies are easy to spot and correct.
More Bank Statement Templates
Bank Statement Illustration Template
Official Bank Statement Template
Simple Bank Statement Template
Bank Statement Blank Template
Bank Statement Basic Format Template
Bank Statement Authorization Template
Company’s Bank Statement Template
Monthly Bank Statement Template
Model Bank Statement Template
Elelmental Bank Statement Template
Account’s Bank Statement Template
Using a Bank Statement Template for Recordkeeping
Use these layouts for a clearly labelled personal ledger, reconciliation worksheet, training exercise or financial summary. A document you prepare yourself is not a bank-issued statement and should never be presented as one. If a lender, landlord, auditor or authority requests an official statement, obtain it through the bank’s approved channels rather than editing a downloaded design. Once historical transactions have been reconciled, WordNExcelTemplates’ cash flow projection templates can help organize estimated future receipts and payments without altering the bank’s records.
- Enter the reporting period and a masked account reference. Label the document according to its real purpose.
- Bring forward the opening balance from a verified record. Enter each transaction once, with its date, description and reference.
- Use consistent debit and credit conventions. Calculate the running balance and check that opening balance plus credits minus debits equals closing balance.
- Reconcile against the genuine bank record. List outstanding items separately and investigate differences before sharing the summary.
Worked Example
Example: a reconciliation ledger starts at 2,000, records a customer receipt of 750, a supplier payment of 420 and a bank charge of 10. Its closing balance is 2,320. If the bank record shows 2,420, the 100 difference needs investigation; it should not be hidden by changing a transaction. Possible explanations must be checked against actual records rather than assumed.
Common Mistakes to Avoid
Do not copy bank branding or describe a self-created file as verified financial evidence. Do not remove genuine transactions to alter an account’s apparent history. Mask unnecessary account details when sharing a reconciliation worksheet and keep access to the underlying records restricted.
Related Templates
- Billing Statement Templates
- Chart of Accounts Templates
- Petty Cash Log Templates
- Income Statement Templates
Frequently Asked Questions
Can this template replace an official bank statement?
No. It can organize your own records or illustrate a format, but it is not issued or authenticated by a bank. Request an official statement directly from the bank when one is required.
Why does my closing balance not match the bank?
Check missing or duplicated entries, fees, timing differences and the opening balance. Record unresolved differences separately until you verify their cause.
Should I show the full account number?
Use only the detail necessary for the document’s purpose. A masked reference is generally more appropriate for a shared worksheet than exposing a complete account number.
