When I balance my check book, I consistently have a favorable balance of $782. I have noticed this for over six months now, since I took over banking from my spouse. How long must I wait to roll this favorable balance back into my available balance?
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A couple of things could have caused that difference. Perhaps there is an old check still outstanding. Although it's not wise to presume you're safe from being charged after any particular time interval, at some point it might be safe to add it back to your balance. To be safe, you'd want to identify the payee and the circumstances under which the check was issued.
Of course it's also possible your spouse made an error in the check register, such as a math error or an omitted deposit. In that case, you might consider it safe to go ahead and increase the balance.
The problem is figuring out which problem caused the difference. That can be difficult after six months. You might want to wait about three or four months to reduce the risk of something showing up.
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A couple of things could have caused that difference. Perhaps there is an old check still outstanding. Although it's not wise to presume you're safe from being charged after any particular time interval, at some point it might be safe to add it back to your balance. To be safe, you'd want to identify the 