This is WHIZBAL's "additional info" page. If you haven't seen WHIZBAL's home page, click here.


PCB Screen Shot

** It's balanced! With just 3 transaction entries total to Q's A, C & D in 40 seconds.
You'll know instantly as the balances on the bottom line will match and turn red.
[Please note that WHIZBAL balances any manual or computer checkbook in the above screen and does not have a checkbook of its own.]

WHIZBAL's Concept

The idea behind WHIZBAL is that checkbook balancing should be simple and fun. Look around at banks, the Internet, and elsewhere, and you'll find that no one else can balance both manual and computer checkbooks directly with just 3 to 6 entries (average). That's because WHIZBAL is a new, patented way to balance using a constant of only two balances and a few exception transactions. WHIZBAL'S EVEN balancing and screen has simplified the art of checkbook balancing by eliminating most individual transaction work, and providing balancing consistency at a low 3 to 6 entry range, on average. WHIZBAL also balances multiple accounts for any kind and any size checkbook.


WHIZBAL'S EVEN balancing is like balancing your bank statement the moment it is produced, regardless of when you actually do the balancing! The bank statement and checkbook balances would have about the same transactions at that moment in time. For some folks, the balances would be the same so they would be 100% balanced without a single transaction entry! Most would be about 95% balanced needing only 3 to 6 transaction entries, on average. That's what WHIZBAL gives you - the freedom to balance when you want, and true simplicity! And, as a bonus it's fun to see the balancing develop with so few entries in WHIZBAL'S screen.

Click Here To View An Illustration Of
WHIZBAL's Patented Even Balancing Concept

WHIZBAL's Balancing Steps

Here's how simple it is to use WHIZBAL. Refer to the above screen as needed. First, you set up your bank statement balance in QA, and in QC a checkbook balance that is EVEN with your bank statement balance. WHIZBAL'S second balancing step tells you how to get your EVEN balance. Now you are 95% to 100% balanced in 30 seconds with set up of the two balances! If the balances agree, you're in the 100% group and already balanced! If you're in the 95% group all you do is enter 3 to 6 entries (average), i.e. unpaid checks in QA, outstanding deposits in QB, and bank charges/credits in QC/QD, respectively, as shown on your bank statement. With a little practice you should balance in 30 - 120 seconds, except in error situations.

Click Here To View An Illustration Of
WHIZBAL'S Five Simple Balancing Steps

Balancing Difference, WHIZBAL vs. QUICKEN, et al.

Quicken’s broader financial agenda requires a checkbook of its own. It is a labor intensive “transaction oriented” system wherein all transactions are first entered into its checkbook and all transactions paid by the bank are compared and cleared out of its checkbook. 

In contrast, Whizbal’s sole agenda is to balance (as in reconcile) any external checkbook as simply as possible.  Unlike Quicken, Whizbal does not need nor have a checkbook of its own.  Instead, Whizbal uses a patented balancing computer screen (shown above), which is a non-labor intensive “balance oriented” system.  It uses only a bank statement balance and a checkbook balance that is even (aligned) with the bank balance, and just the few transactions (3-6 average) that caused the difference between the two aligned balances. Whizbal, therefore, is not designed to take all transactions as does Quicken’s checkbook.

The balancing difference is significant.  Assume that a checkbook had 50 check transactions in a given month, and the bank statement showed that all were paid, except one outstanding check. The bank statement also identified the number of the outstanding check by its “asterisk” system of paid checks. The Quicken user would ignore the bank information and have to compare and clear all 49 checks paid on the bank statement, a tedious job duplicating the bank’s work.  The Whizbal user would simply enter the statement balance and a checkbook balance, and one entry for the outstanding check identified by the bank. Balancing would be done in seconds.


WHIZBAL uses the same process as discussed above in the Quicken example. That is, the WHIZBAL user balanced with set up of a statement balance and an EVEN checkbook balance, and only one entry for the unpaid check in 45 seconds.

Bank-type manual balancing, with instructions on the back of bank statements, can't compare with WHIZBAL'S simplicity because, like Quicken, you must perform the time consuming pre-audit process of comparing and checking off each statement transaction to that in the checkbook to determine balancing entries. Also, you MUST balance as of the latest checkbook balance which requires more balancing entries than WHIZBAL'S EVEN balancing. If balancing is delayed the added transactions will further increase balancing entries; and if a month or two are missed, it would be a hopeless situation for the average person since bank instructions do not cover belated balancing. With WHIZBAL, each month is balanced with the same 3 to 6 entries regardless of delays. If several months were missed, you would simply transfer the few balancing entries in QC & QD from one month to the next until caught up, and then update your checkbook.

Click Here To View An Illustration of WHIZBAL's Catch-up Balancing

WHIZBAL'S Screen Helps Find Balancing Errors

It's amazing, but true. WHIZBAL'S balancing screen with its Bank Balance Side (QA & QB) and Checkbook Balance Side (QC &QD) actually tells you where your balancing problem is and the type of entry needed. All is well when the actual balance at bottom of QB equals the actual balance at bottom of QD and they turn red. But, when one side's actual balance at bottom of QB or QD has more money, an imbalance has occurred. You'll find that, as a general rule, when one side has more money the cause is related to: (1) lowering that side's amount by a needed entry(s) in its upper quadrant (A) or (C); or, (2) raising the opposite side's amount with a needed entry(s) in its lower quadrant (B) or (D).

WHIZBAL'S software has specific error finding steps designed to find any balancing error. However, knowing this general rule helps to quickly pinpoint the quadrant involved and type of entry needed to correct an imbalance caused by a failure to make a needed or proper entry. For example, in the above screen if the unpaid check had been missed in QA, the bank side would have had more money, and general rule (1) would have been applicable. Also, if the interest shown in QD had been missed, the bank side would also have had more money, and general rule (2) would have been applicable. Thus, WHIZBAL'S patented screen does more than just receive balancing entries, it actually helps in the balancing process.


Roy Harrell, Jr. of Falls Church, VA. writes:

It is with great joy that I write this letter commending you for developing the Checkbook Balancer. It fills every need which people or businesses need. It provides the average person like me with a more efficient manner without my resorting to enter every transaction which is the case with other computer programs I have seen. I found that it cuts in half the time I used to spend manually balancing the checkbook for our business. I even found myself enjoying doing the task. This in itself is a novelty.

The program provides the tools to fill a definite need.

Paul Mitchell of Tipp City, OH, writes (e-mails):

#1 I just finished balancing the July bank statement. If I am doing it right it's so easy it is unbelievable. I had some doubts about it at first, but I am a believer now.

#2 I'm a true believer in WHIZBAL. With the balancer I used to use, I had to X-out all the deposits and all the paid checks, and then see if things balanced. With WHIZBAL I balanced with just 4 entries! How much simpler can it get!

#3 Just balanced the check book again with the new (Windows) program and just love it. I am only sorry I don't need to do it more than once a month; it is so easy and so much fun we should get bank statements 4 times a month at least.

Enjoy (and even have fun) balancing your manual or computer checkbook from now on with WHIZBAL, America's Simplest Checkbook Balancing Program. Choose from the products listed below and the payment method desired.

Solution Graphics

Ordering by Credit/Debit Card
Using PayPal's Secure Processing System

1. Download of Whizbal program - Immediate download of program upon payment via PayPal. An updated Mini-manual with 5 simple balancing steps will then be emailed to the email address provided. $19.95 total. (Important: You must click the "Return to PCB, Inc." button once you reach the PayPal Thank You page to begin your download.)

2. Whizbal's Software Package - Whizbal's software (called Patermaster's Checkbook Balancer, pictured above) includes patented CD, original manual, and updated Mini-manual with 5 simple balancing steps. $20.00 + $3.99 s/h. $23.99 total.

3. SHOCKING NEW BOOK: "A Case of Systemic Corruption in Maryland."Click here for a summary of the book. More details and buying options are available at: or Buy here direct from publisher and signed by the author. $25.00 + $5 s/h. $30.00 total (20% off MSRP).

All mail order products have a 4-month money back guarantee. User help is gladly provided via email (,
telephone (1-800-866-2848), or by mail (PCB, Inc. 4910 W. Chalk Pt. Rd., West River, MD 20778).

Questions? Call PCB at 1-800-866-2848
1998-2013 PCB, Inc. All rights reserved.
U.S. Patent No. 5,337,263.

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