[GNC] Kind of a Philosophical Question about Transaction Dates

[Elizabeth Dodd]

On Mon, 2 Mar 2026 20:07:49 -0700
Tom Route36 <tom.route36 at gmail.com> wrote:

> Hi Liz,
> 
> I hear you. Electronic payments are getting faster and faster. But I 
> just wanted to clarify something for you regarding my example.  This 
> example of mine didn't involve writing any check (or "cheque" for you 
> Aussies).  This *was* an electronic payment.  The payment was made to 
> the credit card company on the card company's website on Feb. 27th.
> And the payment was posted by the following morning on the 28th (on
> the card company's website) showing a payment date of the 27th.  But
> my bank (hosting my checking account) didn't post the transaction
> until today, March 2nd.
> 
> Realistically, that few days difference doesn't make any real
> difference to me.  The only reason I had for bringing the question up
> here was curiosity in regard to how folks handled discrepancies in
> EOM (end-of-month) statements.  I personally record credit card
> transactions with the date I actually incur the charge or make the
> payment.  So reconciling my EOM credit card statements are always
> exact.  But since there are usually delays (like this example) until
> the bank posts the transaction, often times there will be
> transactions missing from the EOM bank statements.  It's really just
> an annoyance, not a big deal.  But I was curious how other folks here
> dealt with that.
> 
> Tom
> 

So what you are looking for is a "Reconciliation Report". Such a report
lists deposits and withdrawals which are in your books but not in the
banks.
Another part of the report does list the deposits and withdrawals which
matched the bank statement ie were reconciled.



I don't bother, if for some reason a transaction has not been listed by
the bank this month, I expect it next month.

Liz