Checking account reconciliation. Use Worksheet 4.1. Nicolas Cruz has a NOW account at the Second National Bank. His checkbook ledger lists the following checks:

Check Number	Amount	Check Number	Amount	Check Number	Amount
654	206.05	672	24.90	678	38.04
658	55.22	673	32.45	679	97.99
662	103.00	674	44.50	680	486.70
668	99.00	675	30.00	681	43.50
670	6.10	676	30.00	682	75.00
671	50.25	677	111.23	683	98.50

Nicolas also made the following withdrawals and deposits at an ATM near his home:

Date	Amount	Transaction
11/1	$50.00	Withdrawal
11/2	525.60	Deposit
11/6	100.00	Deposit
11/14	75.00	Withdrawal
11/21	525.60	Deposit
11/24	150.00	Withdrawal
11/27	225.00	Withdrawal
11/30	400.00	Deposit

Nicolass checkbook ledger shows an ending balance of $286.54. He has just received his bank statement for the month of November. It shows an ending balance of $622.44; it also shows that he earned interest for November of $3.28, had a check service charge of $8 for the month, and had another $12 charge for a returned check. His bank statement indicates the following checks have cleared: 654, 662, 672, 674, 675, 676, 677, 678, 679, and 681. ATM withdrawals on 11/1 and 11/14 and deposits on 11/2 and 11/6 have cleared; no other checks or ATM activities are listed on his statement, so anything remaining should be treated as outstanding. Use a checking account reconciliation form like the one in Worksheet 4.1 to reconcile Carloss checking account.