Review a new bank feed and statement without assuming that every downloaded line is new activity. The same amount can be a transfer, a customer receipt, a fee or a duplicate. Use the books to decide whether to add, match or exclude it, then use the statement to decide whether it cleared.
Interest income belongs in income, but an owner contribution or transfer does not. Keep bank rules precise enough to avoid similar merchant names. Outstanding items stay on the reconciliation until supported by a later statement. When a difference remains, investigate its source before finishing. A zero net change can still contain multiple cleared transactions that all need to be selected.