If you have an active account in a bank, the bank sends you a summary of transactions that you incurred for a specific period of time. It could either be on e-mail or as a hard copy, depending on what you have opted for. This helps you keep track of how much you have in your account and how much you have spent. This is the bank statement template and is the most common type of financial document.
Bank Statement Templates
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What is a bank statement template?
A bank statement helps account holders monitor their bank transactions and it’s sent by a bank to account holders regularly. Sample bank statements enumerate the transactions from the date of your last transaction in your most recent statement to the completion of a specific period of time.
It is a standard procedure for banks to provide an overview of all the transactions that have transpired, referring to all the financial activities that their clients have done monthly then present this information in a document. This statement typically starts with the opening balance from the previous month and ends with the closing balance of the current month.
The statement also includes a summary of all the transactions that took place in a month or a certain period that you choose. As an account holder, you should always go through your bank statements when you receive them as they might contain wrongful transactions. In such a case, you should immediately notify your bank to rectify these errors.
Fake Bank Statements
How do I make a bank statement?
A bank statement template comes from banks and generally, it takes a lot of effort and time to create them. The designers of this document go through a very meticulous process to come up with an editable bank statement, making sure that they create a professional layout that you can easily understand.
The document should contain all of the required financial information. Producing a fake template for a bank statement to pass it off as an official bank document is an illegal act. If you do this, you could get into a lot of legal trouble.
But if you want to get information about your bank account, you just have to request a statement from your bank – they will gladly print a copy for you. If you work at a bank and you’re tasked to come up with a template for bank statements, you have to do this task with great care.
Well-designed templates that pay attention to the finest details will prove your bank’s professionalism and dedication in the template’s development. For instance, a template with an inappropriate format or one that lacks some significant information won’t conform to the generally applied standards for these official templates.
Using a bank statement
One of the main purposes of a bank statement template is to help you reconcile the information in your records against your bank’s records. This is why you need to review your bank statements to see if they contain any discrepancies. Should there be any, you should report these to your bank right immediately by either by writing an official letter or by contacting them by phone to explain your situation.
Banks use a blank bank statement then they print the required information and issue this to you and other account holders. This provides information about financial activities that have transpired in your account within a specific time period. It is the general practice of banks to send these documents to clients every month.
Today, many of the banks have gone paperless. This means that they send the statements to clients through email, but some banks still offer the choice whether you want to receive your statement as a printed document or as a digital document through email.
If you find it more convenient to receive digital statements, you can see your bank statements on your computer. You even have the option to download the document, save it on your computer then print it out if needed. You can also use ATMs to provide for you a print out a summary of your transaction history or statement.
While bank statements can go to customers through email, there are still many who prefer to receive a printed document from the bank. In such a case, you can file these statements monthly. This makes it easier to monitor your financial history.
You may also use bank statements to track and know your spending habits while watching out for the occurrence of errors in your bank’s record. Should you find any errors in your statement, it is highly recommended to notify your bank immediately. Generally, you get up to 60 days to dispute such discrepancies.
Editable Bank Statements
Can you get fake bank statements?
Although you can make your own templates for bank statements, you cannot pass these off official documents. There are people who download templates for their own personal use to – compare the template with the one issued by their bank.
Should you receive a fake bank statement, don’t attempt to use it. Instead, download a copy of your bank statement or get a printout from your bank directly.
Requesting a bank statement
It has become the norm today for banks to offer online banking for both credit card and deposit accounts. This makes things easier and more convenient, especially for checking your account regarding transactions, status, money transfer, and for conducting other financial matters. Online banking also offers you the choice to get your monthly bank statement template.
For the past months, statements have been readily available for download as a PDF file without paying a fee. Aside from downloadable PDF statements, going to the main page of your online account allows you to see a list of your latest transactions in the account summary which you can break down by month or all together.
Keep in mind that technically, this is NOT your bank statement. It might even include pending charges. However, this is an easy and convenient way to review your recent transactions in your account.
Most banking institutions today offer the choice to “go paperless” where you can only review and receive your financial statements online. Going paperless means that this is the only way to see your statements. Just make it a habit to still download and save your statements regularly on your computer so you have easy access to them in the future, in case there is a need.