How to Reconcile ServisFirst Bank Statements

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What you are checking against

Deposit statements at ServisFirst Bank typically carry opening and closing balances with activity in posting order; card statements, where the bank issues its own cards, use Previous and New Balances. Headquartered in Birmingham, Alabama, ServisFirst Bank issues every account's statements through the same online banking platform.

Think of the statement as self-auditing. It opens at one balance, lists everything that moved, and closes at another — and if the list is complete and correctly read, the numbers cannot help but agree. Reconciliation is checking that they do, before the data is trusted downstream. Done at conversion time, the check has a practical shape: the file either reproduces the statement's balances or it is flagged with the exact rows where the walk breaks. The methodology page documents the method.

The ServisFirst Bank month-end reconciliation workflow

Begin where the proof ran out. Find the most recent month that was fully reconciled and treat everything after it as unproven, however tidy it looks. Balances that happen to agree can hide two cancelling errors.
Convert the next month only. One statement, one conversion, one result. Working singly keeps every flag attached to the month that caused it.
Interrogate a flag by size. Compare the difference to the transactions: an exact match suggests a missing or doubled row, double an amount suggests a flipped sign, a few cents suggests a misread digit. The difference itself is the best clue you own.
Close the month in the software. Reconcile the account to the statement's closing balance, listing outstanding items explicitly rather than forcing agreement.
Repeat without skipping. The workflow's power is its monotony: the same five moves, every month, no exceptions for quiet months — quiet months are where skipped steps hide.

These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.

Reading one ServisFirst Bank statement closely

Reconciliation goes faster when you know the document's habits. On a ServisFirst Bank statement, check where fees and interest sit — inside the chronological flow or in a closing section of their own — because that is where unrecorded items hide. Confirm the statement's closing date matches the period you think you are closing; cycle dates drift from calendar months. And keep the source straight: reconcile against the statement filed under eStatements in the ServisFirst Bank website and mobile app, the bank's own record of the month.

When a ServisFirst Bank statement does not tie out

A pending card transaction appears on one statement and posts on the next, so both statements are right and the import order is what needs care.
Two transactions with the same amount were collapsed or one was duplicated — compare the row count in the flagged region against the PDF.
The PDF is a scan and OCR misread a digit. The flagged rows name the expected and printed balances; correct those rows against the image.
The statement period straddles a bank holiday weekend and the bank grouped several days of card activity under one posting date — the rows are all present, but their order differs from the software's expectation.

Teaching the routine to a successor

Reconciliation knowledge tends to live in one person's head, which makes it fragile. The defence is a written routine — this page is a template — plus the filed evidence trio for each month: statement, converted file, result. A successor who inherits both can reproduce any month without interviewing anyone, and the standard survives staff changes, vacations and growth.

Questions and answers

My ServisFirst Bank statement does not tie out after conversion. What now?

Work the flagged rows first — the check marks exactly where the arithmetic breaks. The causes section on this page lists the usual suspects in order of likelihood.

How often should I reconcile?

Monthly, in step with the statements. Reconciling a year in one sitting is exactly the catch-up scenario the batch converter exists to shorten — and month-by-month chaining is what makes it provable.

What does an outstanding item mean for reconciliation?

A cheque written but not yet cleared, or a deposit recorded but not yet at the bank, makes honest books differ from the statement by exactly those items. They are listed, carried forward, and expected to clear next month — they are not errors.

Can I reconcile from a scan?

Yes — scanned statements convert through OCR and go through the identical checks. Because OCR can misread digits, treat flagged rows on scans with extra care and always resolve them against the image.

Can I reconcile a quarter at once instead of monthly?

You can import in batches, but prove the months individually and in order. Three months reconciled as one blob hides which month owns a difference; the chain check needs each month's closing balance separately.