Re:I just reconciled my checkbook.
Re the Banks. I check the details on-line everyday or two, comparing the outstanding checks and deposits to the entries in the accounts for the Bank(s). I do not do running totals in the paper checkbook anymore. With the exception of my medicare supplement I don't have any 'bill-payer' or automatic payments taken out of the account electronically. I know I am spending extra to pay via the USPS, but I feel better about writing checks and seeing them appear in the debit side on-line, a few days later.