Cómo conciliar un saldo de tarjeta de crédito en QuickBooks Desktop

Welcome to our QuickBooks Desktop tutorial series! In this post, well walk you through the step-by-step process of reconciling a credit card balance in QuickBooks Desktop. Credit card reconciliation is crucial to keep your financial transactions accurate and your company safe.

If you arent a QuickBooks Desktop user yet, you can choose from QuickBooks Desktop Pro, QuickBooks Desktop Premier, QuickBooks Enterprise, or QuickBooks Desktop Accountant. We compare QuickBooks Desktop products to help you decide which one is right for you.

The process of reconciling a credit card balance discussed in this video is based on QuickBooks Premier, but the process is the same with QuickBooks Pro. When you purchase Pro, one of our best small business accounting software , you will get a 33% discount on your first year.

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Heres a tutorial video of the credit card reconciliation process in QuickBooks Desktop Pro and Premier.

Why Reconcile Credit Card Accounts

You cant expect banks and credit card processors to be 100% accurate all the time. Credit card reconciliation allows you to:

  • Catch errors like incorrect amounts or duplicate charges
  • Prevent fraud activities in your company
  • Simplify tax time

To reconcile a credit card balance in QuickBooks Desktop, follow these steps.

  1. Launch the reconciliation screen
  2. Enter your statement information
  3. Reconcile your transactions
  4. Confirm $0 difference
  5. Write a check to pay now or enter a bill (optional)

1. Select Reconcile

Click on the Reconcile icon under the Banking menu of your QuickBooks Desktop homepage. You can also tap on the Banking menu on the top of the screen, then select the Reconcile drop-down:

Launch the Reconcile Screen in QuickBooks Desktop

2. Enter Your Credit Card Statement Information

After clicking on the Reconcile icon, a pop-up screen will appear, requesting information from your account statement, including the following:

  1. Account: Choose the credit card account that you want to reconcile.
  2. Statement Date: Enter the ending date of the statement period.
  3. Beginning Balance: The beginning balance is the ending balance from your last reconciliation. This will be automatically generated by QuickBooks Desktop.
  4. Ending Balance: Enter the ending balance on your credit card statement.
  5. Finance Charge: Input the finance charge, or interest, assessed on your credit card statement, including the date and the expense account you wish to charge. This will create a credit card transaction for interest expense, so if youve already entered the expense, leave this field blank:

Enter Credit Card Statement Information in QuickBooks Desktop

After entering all information, click Continue .

3. Reconcile Your Transactions

After you click Continue , a screen showing the summary of the reconciliation will appear, as shown below. The transactions listed are all the uncleared transactions from your credit card account register:

Reconciliation Screen in QuickBooks Desktop

Below is a sample credit card statement used to illustrate the reconciliation process in this tutorial. Take a moment to review the data in this sample statement as it will be used throughout the process.

Sample Credit Card Statement

To reconcile your account, review your transactions and trace them in both directionsfrom your books to your credit card statement, and from your credit card statement back to your books.

Trace From QuickBooks to Your Credit Card Statement

Review every transaction in the QuickBooks reconcile screen and match it to those on your credit card statement. For every transaction that matches your statement, click on the checkbox next to the transaction. As you put a checkmark on a transaction, you will notice that the cleared balance and difference on the lower right side of the screen adjust. Your goal is to make the difference $0:

Cleared balance and difference adjust with every cleared transaction

If you see a transaction in QuickBooks that is not in your credit card statement, dont delete it. It is most likely a transaction that will show up on next months statement. Any unmarked transactions this month will appear automatically in next months reconciliation. However, if the charge is more than a month old, then it needs to be investigated to see if the entry in QuickBooks is wrong.

In our sample credit card statement, you will notice that the transactions for Accounting Firm, Andersons Hardware, Vins Diner, and My Electronics Store, match the transactions in QuickBooks.

Matching transactions in QuickBooks to the credit card statement.

Trace From Credit Card Statement to QuickBooks

If there is a transaction on your statement that is not present in QuickBooks, but the transaction is correct, then you need to add it to QuickBooks. In our sample credit card statement, you will notice that the transaction for Postmaster for the amount of $173.24 is not recorded in QuickBooks. In this case, since its a legitimate transaction, it should be added to QuickBooks.

To create a new transaction, open the Enter Credit Card Charges screen from the Banking menu. Enter the correct information based on your credit card statement. If you need help with this step, check out our tutorial on how to enter credit card charges in QuickBooks Desktop:

Recording a new credit card transaction in QuickBooks Desktop

Click Save & New , and the transaction is added to the reconciliation screen.

4. Confirm $0 Difference

Youll know that you reconciled your credit card balance successfully when the difference between your statement ending balance and cleared balance is zero.

You will also notice on the screen that there is a Modify button, which allows you to change the amounts you entered in Step 1. If all information is correct, click Reconcile Now :

Confirm $0 difference and then click Reconcile Now

5. Write a Check to Pay Now or Enter a Bill (optional)

After you click Reconcile Now , a pop-up screen will appear asking whether you want to write a check for payment now or enter a bill to pay later. If you dont want to execute either of the two actions, click Cancel , and youre done. Otherwise, choose your option and click and OK .

Write a check for payment now or Enter a bill for payment later.

  1. Write a check for payment now: Create a check for the entire credit card balance or a portion of it that you want to pay.
  2. Enter a bill for payment later: Enter a bill to pay the balance by the due date. This creates a bill that will appear in your unpaid bills screen to remind you to make the payment.

Wrap Up

Congratulations on completing our lesson on how to reconcile a credit card account in QuickBooks Desktop. If you are considering a switch to QuickBooks Online, be sure to check out our tutorial on how to convert QuickBooks Desktop to QuickBooks Online .

How do I reconcile QuickBooks desktop

Go to the Banking menu, then select Reconcile. In the Account field, select the bank or credit card account you want to reconcile . The Statement Date is automatically filled in. Usually, it’s 30 or 31 days after the statement date of the previous reconciliation.

How do I reconcile in QuickBooks desktop 2022

Go to the Banking menu and select Reconcile. Select the Account drop-down then choose the account you want to reconcile. In the Statement Date field, choose the date from the financial statement you selected. In the Ending Balance field, enter the ending balance from your statement.

How do you reconcile in QuickBooks step by step

How do I reconcile in QuickBooks Pro 2021

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