# AI Bank Reconciliation

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For AI agents: [Markdown version of this page](https://aiagentskills.biz/md/agents-for/bookkeepers/bank-reconciliation.md) · [llms.txt](https://aiagentskills.biz/llms.txt) AI agents for bookkeepers

# Put bank reconciliation on repeat

AI bank reconciliation: this guide shows how bookkeepers hand the job to a $19 AI agent - what it does (It matches statement rows to ledger rows and hands you a complete exception list: match status, difference and next action per row), what it needs, and where it stops for a human. Manually the job takes 2-4 hours per statement.

It matches statement rows to ledger rows and hands you a complete exception list: match status, difference and next action per row.

[Buy the Reconciliation Agent · $19](https://aiagentskillsbiz.lemonsqueezy.com/checkout/buy/31011d50-41d3-4522-9508-f6602f41e0d9)[See the full product page](/bookkeepers/reconciliation-agent/) ✓ $19 one-time ✓ 3 files you keep ✓ No subscription [Home](/) › [Guides by job](/agents-for/) › [Bookkeepers](/agents-for/bookkeepers/) › Reconciliation Agent

## The job by hand

Reconciliation is a row-by-row match between the statement and the ledger, and the exceptions are always found at 6pm on close day.

## The ask

> Hello, reconcile this bank statement against the ledger

## What comes back

A Google Sheet lands in the `Bookkeepers Reconciliation Workspace` folder in your Google Drive: Statement row, Ledger row, Match status, Difference and Next action.

| Statement row                 | Ledger row      | Match status | Difference | Next action                           |
| ----------------------------- | --------------- | ------------ | ---------- | ------------------------------------- |
| Sep 9 - Stripe payout $19,240 | Deposit $19,240 | Matched      | $0         | None                                  |
| Sep 10 - wire ref 8841 $3,850 | No ledger entry | Unmatched    | $3,850     | Check against INV-1042 (Bright Foods) |

*Sample data shown. Your workspace fills with your real work.*

## What it takes over

1.  Reads the exact inputs and sources you approve.
2.  Saves the work as a review-ready Google Sheet in the Bookkeepers Reconciliation Workspace folder in Google Drive.
3.  Shows evidence, unknowns and blocks instead of guessing.
4.  Prepares the next action and stops at the human gate.

## How buying works

1.  Buy once for $19. Three files arrive: `skill.md`, `setup-prompt.txt` and `usage-prompt.txt`.
2.  Hand the files to the assistant you already use. It sets the job up on Google, Microsoft or Zoho and tests it on fictional data.
3.  Approve the setup. It runs the job and stops at every external action for your sign-off.

## Where it stops

It does not send, spend, publish, schedule or make a human decision without the exact approval that action needs.

## Common questions

### What do I review?

A sheet with statement row, ledger row, match status, difference and next action, in a Bookkeepers Reconciliation Workspace folder.

### Does it fix discrepancies?

It lists exceptions with a proposed next action. The fix decision stays with you.

### What format do statements need?

The spreadsheet exports you already use, pointed at during setup.

## More for bookkeepers

[Bookkeepers](/agents-for/bookkeepers/transaction-categorization/)

### AI transaction categorization

It proposes a category for every uncoded transaction with the evidence: date, payee, amount, proposed category...

**$19 →** [Bookkeepers](/agents-for/bookkeepers/invoice-follow-ups/)

### Automate invoice follow-ups

It tracks open invoices and prepares reminder drafts: customer, invoice, amount due, days overdue, reminder dr...

**$19 →** [Bookkeepers](/agents-for/bookkeepers/bill-tracking/)

### AI bill and invoice tracking

It captures new bills and invoices, runs duplicate checks and builds a due-item review queue: vendor, invoice,...

**$19 →**

Prefer the store pages? Browse the [Bookkeepers agent menu](/bookkeepers/) or the [Reconciliation Agent product page](/bookkeepers/reconciliation-agent/).

## Questions people ask

### What does the Reconciliation Agent actually do?

It matches statement rows to ledger rows and hands you a complete exception list: match status, difference and next action per row. It prepares review-ready work and stops for your approval before anything is sent, spent, published or scheduled.

### Which AI assistants work with the Reconciliation Agent?

Any assistant that reads plain-text files: Instinct, ChatGPT, Claude, Gemini, Grok, DeepSeek, Perplexity, Microsoft Copilot, Hermes, OpenClaw, Town, Muse and others. You hand it three files - skill.md, setup-prompt.txt and usage-prompt.txt.

### Is the Reconciliation Agent $19 a subscription?

No. $19 is one-time. You download and keep the three files forever; there is no account and no renewal.

### How long does setup take?

About 10 minutes: attach the files, run the setup prompt, approve the fictional-data test. It never touches real work until you approve the sample run.

Last updated 13 September 2026 · Reviewed by the AI Agent Skills team.