I too have been using actual (first) date as the bank date, and documenting it that way. I switched to doing it this way when you convinced me that was how you always did it, last time this came up. Or that's what I thought you said. :)

I'll probably continue using first (default) date as bank date, even though the 
typical LATER=EARLIER looks a bit funny.

Confusing issue. It's hard to find a usage that's always intuitive.

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