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Tracking Banking data with Spreadsheets
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Keep all your bank account data into file and always have them offline.
Preferably, also download statements at the end of every month as well as at the end of every financial year.
Use an Excel Spreadsheet to keep a tab on the money in your bank accounts.
You can use the file for Savings accounts, current accounts, fixed deposits, loan accounts and credit cards.
If you ask your spreadsheet, it should tell the following minimum info:
1. What is current balance 2. Are you maintaining the minimum required monthly / quarterly average balance or not.
So, all banking data into one single Excel file with individual summary sheets for each of them.
Update it as often as possible, preferably once a week, fortnight or month depending on the number of transactions and accounts you have.
Password protect the spreadsheet file.