INTWARI SACCO GICUMBI
Understanding your statement

Learn how to compare an account statement with your receipts and your own records.

Check the period and opening figure
Confirm the account and statement period. Compare the opening balance with the previous statement’s closing balance.

Match each entry to a record
Check dates, descriptions, money in and money out. Flag duplicate or unfamiliar entries without removing them from your records.

Ask about the difference
Distinguish posted entries from pending items. Ask the SACCO about charges, holds and the amount actually available to withdraw.

Your review checklist
[ ] I checked the account and the statement period.
[ ] I matched transactions with receipts.
[ ] I noted unfamiliar entries and their amounts.
[ ] I kept a copy in a safe place.

Statement period: ____  Opening balance: ____  Closing balance: ____
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Date | Description | Money in | Money out | Receipt | Question
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Pending entry and explanation requested: ____
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My notes:
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Date and next step:
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Contact the SACCO through a confirmed channel. Provide the date, amount and transaction description and keep the reference you receive. Do not post full statements publicly or share your PIN or password.
https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-managing-your-checking-account.pdf