I was dismayed to discover our checkbook was off by about $350 from what the bank says we have (to our detriment). An hour or so of searching for the discrepancy has not resulted in anything, so I am resigned to subtracting the monies from our checkbook balance. Oy. Part of this is my bad--I never actually balance the checkbook, I just do a thorough check-off when the statement comes each month, making sure that everything on the statement matches the checkbook. It was just today I suddenly noticed this big difference in the totals. Live and learn, I guess.