Report flags / documents
CROSS-CHECK“The balance doesn't carry over between statements”
What this flag on a set of documents means, why it matters, and what to check.
What it means
One month's closing balance doesn't equal the next month's opening balance for the same account.
Why it matters
Banks carry the balance forward to the cent. When a statement is edited, the next month's opening balance is often left as it was.
Ordinary explanations
- Statements for two different accounts with the same last four digits.
What to check
Ask the applicant for every month's statement downloaded directly from the bank's website or app, and compare the balances where one statement ends and the next begins.
A flag is a reason to verify with the source, not proof. Apply the same steps to every applicant.
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