# Month-end bank reconciliation with ChatGPT: the one-page cheat sheet > A free one-page cheat sheet: match a bank statement CSV to the ledger with ChatGPT, list the exceptions, build the summary and check the math yourself. Source: https://learn.ynteractive.com/content/cheat-sheets/chatgpt-bank-reconciliation · Updated 2026-10-20 · Free from Stepthrough (https://learn.ynteractive.com) [Lesson cheat sheet](https://learn.ynteractive.com/content/cheat-sheets#kind-lesson) · One page · US letter · [ChatGPT](https://learn.ynteractive.com/content/tool/chatgpt) By [Robert Breen](https://learn.ynteractive.com/content/about) · Published October 20, 2026 · From the free lesson [Month-End Bank Reconciliation with ChatGPT: 20 Minutes, Not 3 Hours](https://learn.ynteractive.com/content/chatgpt-bank-reconciliation-month-end) A free one-page cheat sheet: match a bank statement CSV to the ledger with ChatGPT, list the exceptions, build the summary and check the math yourself. [Download the free PDF (79 KB)](https://learn.ynteractive.com/content/cheat-sheets/chatgpt-bank-reconciliation.pdf)Print this sheet Free, no sign-up and no email needed. It prints on one letter-size page; the whole sheet is below. *▶*StepthroughFree printable cheat sheet · learn.ynteractive.com Month-end bank reconciliation with ChatGPT: the one-page cheat sheet Ticking off the bank statement against the books takes hours. Give ChatGPT both files and the balances, let it list what doesn't match, then check its answer yourself. ## Upload both files 1. Export the bank statement and the ledger for the same month as CSV files. Delete full account numbers. 2. Note the opening and ending balances on both. If the opening balances differ, fix that first. 3. Click **+**, then **Add photos & files**. Pick the bank file, hold **Ctrl**, pick the ledger file, click **Open**. ## The matching request Copy ```text Both files started [MONTH] at [OPENING BALANCE]. The bank ends at [BANK END] and the ledger at [BOOK END]. Match every bank row to a ledger row by amount and date, allowing up to 5 days apart. List every row that does NOT match: file, date, description, amount, likely reason (duplicate, timing difference, missing from the books, bank fee, or Needs review). Do not guess. ``` The lesson's full prompt is longer; this is the core of it. ## Check its answer - Open the file and find each exception yourself. In the lesson, the $1,240.00 duplicate is in the ledger twice. - Add the exceptions up. They must equal the gap between the two ending balances. - Ask for the summary table, then check both adjusted balances on a calculator. The difference must be 0.00. ## What each exception needs **Missing deposit** Record it in the books. **Bank fee** Record it in the books. **Duplicate entry** Remove or reverse it. **Outstanding check** Nothing. It is timing and should clear next month. **Remember:** AI can add wrong. Never sign off on a reconciliation until you have opened the file for each exception and added both sides yourself. **Have a professional review it.** This prompt helps you explain your own numbers, not give financial advice. Have your accountant or financial advisor review anything you will act on. Practice it free: [Month-End Bank Reconciliation with ChatGPT: 20 Minutes, Not 3 Hours](https://learn.ynteractive.com/modules/chatgpt-bank-reconciliation) at learn.ynteractive.com/modules/chatgpt-bank-reconciliation. This sheet: learn.ynteractive.com/content/cheat-sheets/chatgpt-bank-reconciliation. Harbor Lane Studio is a made-up business from the lesson. By Robert Breen, October 20, 2026. ## Practice it in the free lesson **Month-End Bank Reconciliation with ChatGPT: 20 Minutes, Not 3 Hours**. Upload the bank statement and the books, let ChatGPT match every row and list the exceptions, then check the answer and paste a reconciliation summary into the month-end file. You do every step yourself in a practice copy of ChatGPT, it checks your work as you go, and “Do it for me” finishes any step you get stuck on. Free, and nothing touches your real accounts. [Start the free lesson](https://learn.ynteractive.com/modules/chatgpt-bank-reconciliation) [Or read the full step-by-step guide](https://learn.ynteractive.com/content/chatgpt-bank-reconciliation-month-end) ## Related terms Plain-English definitions, each with an example from a free lesson. [Bank reconciliation](https://learn.ynteractive.com/content/glossary/bank-reconciliation) · [Reconciling item](https://learn.ynteractive.com/content/glossary/reconciling-item) · [Outstanding check](https://learn.ynteractive.com/content/glossary/outstanding-check) · [CSV](https://learn.ynteractive.com/content/glossary/csv) · [AI math errors](https://learn.ynteractive.com/content/glossary/ai-math-errors) · [Bank feed](https://learn.ynteractive.com/content/glossary/bank-feed) · [Closing the books](https://learn.ynteractive.com/content/glossary/closing-the-books) · [Lockbox](https://learn.ynteractive.com/content/glossary/lockbox) [The full AI glossary](https://learn.ynteractive.com/content/glossary) ## Related prompts - [Bank reconciliation exceptions memo prompt](https://learn.ynteractive.com/content/prompts/bank-reconciliation-exceptions-memo-prompt): A copy-ready prompt that turns a reconciliation's exception list into a short memo for the owner: what each row is, the fix, and… [All free prompt templates](https://learn.ynteractive.com/content/prompts) ## More cheat sheets - [AI Email Responder in n8n Cheat Sheet](https://learn.ynteractive.com/content/cheat-sheets/ai-email-responder-n8n): A free one-page cheat sheet: n8n watches Gmail, an AI agent reads each customer email and saves a reply as a draft in the same thread. - [AI Receipt Extractor in n8n Cheat Sheet](https://learn.ynteractive.com/content/cheat-sheets/receipt-extraction-setup): A free one-page cheat sheet: attach a receipt photo in n8n chat, and an AI agent pulls the date, vendor and amount into a Google Sheets row. - [Claude Artifacts Cheat Sheet](https://learn.ynteractive.com/content/cheat-sheets/claude-artifacts): A free one-page Claude artifacts cheat sheet: how to ask for a working tool, check the math, change it in the same chat and share it with a link. 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