3-Way Reconciliation Template — Free, plus an Automatic Generator
Get the classic three-way trust / escrow reconciliation workbook two ways: download the blank Excel template, or let your bank statement fill in the bank side for you — with an automatic opening + deposits − disbursements = closing mismatch check.
Option 1 — Download the blank template (free, no signup)
A three-sheet Excel workbook: Bank Statement, Book Balance and Client Liability List — the three balances that must match. Used by title & escrow companies, law firm trust (IOLTA) accounts and property managers.
Option 2 — Stop filling it by hand: generate it from your statement
If you are searching for this template, you are doing the bank side manually every month. You do not have to. Drop the raw statement file your bank sends (BAI2, CAMT.053 XML or MT940) and this page builds sheet 1 for you: opening balance, total deposits, total disbursements, computed closing — and flags any account where the math does not tie to the bank's reported closing balance.
What a 3-way reconciliation is
Trust and escrow accounts are reconciled three ways because three independent numbers must agree: the bank statement balance, the book (ledger) balance, and the sum of individual client balances. If any pair disagrees, funds are misapplied — which for a title agency, IOLTA account or property manager is a compliance problem, not a bookkeeping detail.
The most common failure point is the bank side: a statement PDF is retyped by hand, a line is missed or shifted, and the closing balance no longer ties. That is exactly what the automatic check here catches — it recomputes opening + deposits − disbursements per account and compares it to the closing balance the bank itself reported inside the file. A MISMATCH flag means a transaction is missing or duplicated before you even start reconciling.
Frequently asked questions
Is my statement uploaded anywhere?
No. Parsing runs in your browser; there is no server. Check the network tab while converting — no requests. The template download works offline too.
My bank sends PDF, not BAI2 or MT940 — can I still use this?
Ask your bank for the raw reporting file — most business banks can deliver BAI2 (US) or CAMT.053/MT940 (EU) alongside the PDF. These raw files carry the balances and per-transaction data the PDF only prints, which is what makes the automatic check possible.
Does the template work for IOLTA / attorney trust accounts?
Yes — the three-sheet structure (bank, book, client list) is the same one state bars expect for IOLTA reconciliation. Rename the client sheet to your matter list.