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 1. TemplateLab
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 3. Personal
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 5. Finance
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 7. Bank Statement Templates


35 EDITABLE BANK STATEMENT TEMPLATES [FREE]

One of the most common types of financial documents we come in contact with is a
bank statement template. This is a document that comes from financial
institutions, and it’s connected to your account. It’s important to learn all
you can about banks statements, how to use them, when to use them, and even how
to spot a fake bank statement.


Table of Contents

 * 1 Bank Statement Templates
 * 2 What is a bank statement?
 * 3 Purpose of a bank statement
 * 4 The benefits of a bank statement template
 * 5 Fake Bank Statements
 * 6 Features of a bank statement template
 * 7 How to make a bank statement?
 * 8 How to use a bank statement template?
 * 9 Free Bank Statements
 * 10 Requesting for a bank statement
 * 11 Reconciling your bank statements


BANK STATEMENT TEMPLATES

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Bank Statement Template 1 - TemplateLab
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Bank Statement Template 2 - TemplateLab
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Bank Statement Template 3 - TemplateLab
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Bank Statement Template 4 - TemplateLab
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BB&T Bank Statement - TemplateLab.com
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BBAV Bank Statement - TemplateLab.com
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Bank of America Bank Statement - TemplateLab.com
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Chase Bank Statement - TemplateLab.com
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Commonweath Bank Statement - TemplateLab.com


WHAT IS A BANK STATEMENT?

By definition, a bank statement is a summary of transactions which are financial
in nature and which have occurred over a period of time. You can get a free bank
statement template from your bank or other types of financial institutions. The
transactions which appear on the statement include deposits, withdrawals, debit,
and credit.

Usually, financial institutions send these through the mail which is why they
usually come in the form of written documents. Although we can now receive
e-statements via email, a lot of people still prefer paper bank statement
templates so they can keep these in their files and refer to them as needed.

Since bank statements come from financial institutions directly, you won’t see a
lot of editable bank statements unless you’re planning to create one for your
own institution.


PURPOSE OF A BANK STATEMENT

One major purpose of bank statements is to provide you with information about
how much funds remain in your account. They also contain specific amounts which
you have paid or received within a given period. It’s your account, so you have
the right to know all of these details. The document can be very helpful to make
yourself aware of your financial status. It will also allow you to plan your
expenses accordingly.

After you’ve confirmed the balance in your account through a bank statement
template, you can issue checks as payment for things you purchase. Through this
simple document, you will also learn about different types of bank schemes. This
is because banks typically utilize bank statements to advertise their plans,
products, and financial schemes. Sometimes, you can even use the document as
your proof of address.

A bank statement is very important. That’s why you have to be careful when you
receive one, and you should make sure that it’s not a fake bank statement.


THE BENEFITS OF A BANK STATEMENT TEMPLATE

Filing all of your bank statements is essential, especially if you want to have
a good idea of your financial status. Aside from this, the document comes with a
lot of benefits which is why you shouldn’t just throw them away. Consider these
benefits:

 * You can use the bank statement template to apply for different kinds of
   loans. Just ask for the statements from your bank, and they will provide the
   documents to attach to your loan application.
 * Use the template to monitor your monthly transactions. If you want, you can
   use this editable bank statement template for your own personal use to list
   all of your transactions. Then when the real bank statement comes, you can
   compare it with the template you’ve edited.
 * If you see encounter any problems with your finances, you can use the
   statements to trace all of your transaction information. If you find any
   discrepancies, you can use the document as your evidence for legal claims.
 * It serves as a proof of all your transactions for the month. This is
   especially helpful for business owners as they can use it when they’re making
   financial decisions.
 * Schools and other organizations can also use the bank statements to prove
   whether or not their students have made their payments.


FAKE BANK STATEMENTS

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Lloyds Bank Statement - TemplateLab.com
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Nationwide Bank Statement - TemplateLab.com
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RBS Bank Statement - TemplateLab.com
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Regions Bank Statement - TemplateLab.com
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TCF Bank Statement - TemplateLab.com
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TD Bank Statement - TemplateLab.com
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Wells Fargo Bank Statement - TemplateLab.com
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FEATURES OF A BANK STATEMENT TEMPLATE

Banks and other financial institutions issue bank statements to their account
holders. These are important documents which will provide the account holder
with all of the information about his/her account. Here are the important
features of a bank statement template:

 * Typically, banks generate this document monthly and issue it to all of their
   account holders.
 * It shows all of the monthly activity in the account including deposits,
   withdrawals, service charges, earned interests, and penalties if any.
 * Bank statements also provide you with your starting balance, ending balance,
   the date of the statement, completed transactions, details of the customer,
   and other information about the bank.
 * The document will provide you with a summary of all the transactions which
   have happened within the month or a specific time period.

One great thing about bank statements is that it ensures accountability along
with the transparency of the financial institution. It works for both the
account holder and the institution that issues it.


HOW TO MAKE A BANK STATEMENT?

As aforementioned, you cannot make your own bank statement template and pass it
off as an official document. You can download a fake bank statement for your own
personal use to compare with the one issued by your bank. What you can do is
download a copy of your original bank statement. You can get this directly from
your bank.

Bank statement templates come from banks, and they’re created using a lot of
time and effort. A team of designers goes through a tedious process to create
the template and make a meaningful layout which everybody will understand. It
should convey all of the financial information for the account holder.

Nobody should create a fake bank statement for the purpose of passing it off as
an official document. This is an illegal act, and you can get into a lot of
trouble for it. If you need to see your bank statement then just request for it
from the bank, and they will print one out for you.


HOW TO USE A BANK STATEMENT TEMPLATE?

When you’re trying to reconcile the information on your account against the
records of the bank, you should go through your bank statements to see if there
are any discrepancies. If you find any discrepancies, report these to the bank
right away. You can give them a call, but it would be better to write a formal
letter to explain your situation.

Banks and other financial institutions issue bank statement templates to their
account holders which show all of the details of the transactions in the
account. It provides you with information about the financial activity which
occurred in your account within a month or a specific period of time. Usually,
banks send these statements to their customers monthly on a given date. Also,
the transactions on the statement appear chronologically.

Nowadays, some banks have gone paperless which means that they send electronic
statements to their customers via email. For some banks, they give you the
option to choose whether you want to receive the printed document or you want to
receive your statement through your email.

The electronic statement or e-statement allows you to see your bank statement
online. You can download it, save it on your computer, and print it out is
necessary. There are also some ATMs available which offer you the chance to
print out a summary of your bank statement known as your transaction history.

Although you may have your bank statements sent to your email directly, a lot of
people still prefer to receive the printed document from the bank. This is
because you can file all the monthly statements you receive to keep track of
your financial history.

You can also use them to learn about your spending habits and watch out for any
errors or discrepancies. If you happen to find any errors or discrepancies, you
must report them to the bank right away. Typically, you have up to 60 days to
dispute such errors to the bank.


FREE BANK STATEMENTS

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REQUESTING FOR A BANK STATEMENT

Anyone who has an account in a bank has the right to request for a bank
statement. Even if it’s not the time when banks usually release the statements,
you can request for one if you need to. Banks have a statutory obligation to
provide this information whenever one of their clients request for it. But how
do you request for the statement from the bank?

The simplest way to do this is to submit an application which provides all of
the necessary details including your name, account number, and the time period
for which you need the statement. Banks would provide a copy of the bank
statement free of charge. But if you need more copies or other printouts, the
bank may charge you for them.


RECONCILING YOUR BANK STATEMENTS

One of the main reasons for requesting a bank statement is to reconcile the
information you have with that of the bank. Sometimes, you might find
discrepancies which means that the information doesn’t tally and there are
several reasons why this might happen. For instance, your bank might have
credited an interest amount or debited charges from your account.

To reconcile the information, place them side by side with each other. If you
spot any differences, highlight them. Then compose a letter about your discovery
and send it to your bank along with the copy of your bank statement and your own
records.

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TemplateLab August 12th, 2023
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