I’ve had something similar happen once, and the timing always makes it a bit awkward for the reconciliations. The cleanest way I handled it was to treat the October over-withdrawal as a temporary clearing entry, just so the bank statement and the register line up for that month.
What I did was record a one-off expense for the extra $2000 and park it in a bank error or clearing account. Nothing fancy, just enough so the October reconciliation checks off. Then, when the bank finally pushed the correction through in November, I reversed it back out of that same account so the whole thing zeroes itself out across the two periods. It keeps the audit trail tidy and avoids rewriting October after the fact.
Robin Kon
