Reconcile to the paper

The printed statement is the source of truth.

Convert the statement. Check that opening + credits − debits equals the printed closing balance. Then import the .qbo or Xero CSV and reconcile to that same number. One figure, printed by the bank, closes the loop.

See a sample convert — synthetic file, real engine.

Preview is free. The first download is free after sign-in. After that, Solo is $29/month, cancel anytime.

up to 20 files · 20 MB each · PDF only · bank or credit-card statements

    kept in memory only
    sample-checking-statement.pdf · synthetic, made for this demo · Meridian Commerce Bank · ····3303
    ✓ Ties. Opening 15,800.00 + credits 25,557.89 − debits 32,811.32 = 8,546.57, the printed closing balance.
    DateDescriptionAmount Balance
    2026-05-01STRIPE TRANSFER2,919.2918,719.29
    2026-05-01ACH DEBIT PROPERTY MGMT RENT−4,200.0014,519.29
    2026-05-03POS PURCHASE HOME DEPOT PRO−1,269.5813,249.71
    2026-05-04ZELLE CREDIT3,030.1216,279.83
    2026-05-07SQUARE INC DEPOSIT3,647.5719,927.40
    2026-05-07POS PURCHASE SHELL OIL−1,705.5118,221.89
    2026-05-08POS PURCHASE US FOODS−178.1318,043.76
    2026-05-11MERCHANT BANKCD DEPOSIT3,994.8622,038.62
    2026-05-13REMOTE DEPOSIT CAPTURE2,790.9624,829.58
    2026-05-13POS PURCHASE VERIZON WIRELESS−1,665.9823,163.60
    2026-05-14COUNTER DEPOSIT2,237.7925,401.39
    2026-05-15POS PURCHASE HOME DEPOT PRO−733.8924,667.50
    2026-05-15POS PURCHASE US FOODS−1,225.2123,442.29
    2026-05-15ADP WAGE PAY 00174−6,800.0016,642.29
    2026-05-19COUNTER DEPOSIT3,622.6920,264.98
    2026-05-21POS PURCHASE GRAINGER−1,475.9618,789.02
    2026-05-23POS PURCHASE SYSCO FOODS−989.6117,799.41
    2026-05-23POS PURCHASE GRAINGER−1,221.9716,577.44
    2026-05-29REMOTE DEPOSIT CAPTURE3,314.6119,892.05
    2026-05-29ADP WAGE PAY 00175−6,800.0013,092.05
    2026-05-31POS PURCHASE STATE FARM INS−2,169.8410,922.21
    2026-05-31POS PURCHASE CINTAS CORP−2,375.648,546.57

    22 rows · 2026-05-01 → 2026-05-31 · the running balance chains on every one

    Review notes (2)

    Synthetic sampleThis statement was made for the demo, not by a bank — so the engine's file-quality note below is expected, and correct.
    Possible transfers1 row looks like a movement between accounts, not income or expense.
    File qualityPDF produced by ReportLab, not a bank statement system.
    Open the sample convert →

    The equation the bank already printed

    Every statement prints an opening balance and a closing balance. Opening + credits − debits has to equal the closing, to the penny. If the grid you are about to import satisfies that equation, every line is there and every amount is right. If it does not, something is missing or wrong, and you know before it reaches the books.

    ✓ Ties. Opening 15,800.00 + credits 25,557.89 − debits 32,811.32 = 8,546.57, the printed closing balance.

    The example above and the sample on this page are a synthetic statement made for the demo, run through the real engine.

    What a convert hides

    A grid with one line missing looks complete. A merged page footer looks like a transaction. A debit read as a credit looks like a deposit. None of that shows up until the reconcile screen disagrees with the bank, weeks later. The printed closing balance catches all three, on the day, in one number. Why a statement must tie before you import it →

    The walk, start to finish

    1Upload Drop the PDF from the bank site. Password-protected is fine. A scan is read as text if it has a text layer, and with on-server OCR if it does not.
    2Read the proof The proof bar shows opening, credits, debits and the printed closing. Green means they agree. Red shows the first row where the chain breaks.
    3Download .qbo for QuickBooks, Xero CSV or OFX for Xero, Excel or CSV for anything else. The file carries the printed closing balance.

    4. Reconcile to the same number. In QuickBooks or Xero, the ending balance you type into the reconcile screen is the printed closing balance you already saw tie. The difference should be zero on the first pass.

    Desktop: File → Import → Web Connect

    QuickBooks Desktop: File → Utilities → Import → Web Connect Files. Pick the account whose type matches the export. Then Banking → Reconcile, with the printed closing balance as the ending balance. The Desktop page → · How the .qbo is built →

    Online: when the native PDF path is the wrong tool

    QuickBooks Online in the US can read a clean PDF on its own. It shows you the resulting balance after the import is linked to an account, not before. When the month has to be proven first, or the stack is long, or the file is a card, a combined PDF or a scan, convert here, then upload the .qbo through Transactions → Bank transactions → Upload from file, one month at a time. The Online page →

    Xero: CSV or OFX from a tied grid

    Accounting → Bank accounts → Manage account → Import a statement. Use the Xero bank-import CSV in Xero's own columns, or the OFX. Then reconcile to the printed closing balance. The Xero page →

    When it does not tie

    The proof shows the first broken row. Often it is a missing page or a scan that needs the OCR pass. Fix a cell and the proof reruns. If it still does not tie, there is no download and no charge. Email the bank name and the layout is added within 24 hours on business days. Banks and cards that have tied →

    Nothing is stored on our side. The PDF is parsed in memory and discarded when the response is sent. Security notes →

    A statement that does not tie is not billed. Any first charge is refundable within 14 days. Billing and refunds →

    Swipe sideways to see every column.

    This grid exists only in this tab. Click a cell to edit date, description or amount; ± flips debit/credit. The proof re-runs on every edit. Convert another statement

    Download .qbo

    QuickBooks checks these before accepting the file.

      Not listed? Leave it blank — the file uses a documented generic institution ID and imports under a generic label.

      Download the Xero bank import (.csv)

      Xero's own template columns: Date, Amount (money in positive, money out negative), Payee, Description, Reference, Check Number. The date has to match your Xero organisation's region.

      How to import
      Accounting → Bank accounts → Manage account → Import a statement, choose this file, and confirm the column mapping Xero proposes. Xero also imports the OFX file directly.

      This statement does not tie

      Sign in to download

      No password. We email you a one-time link — new here? The same link creates your account. Your first download is free so you can test the import into QuickBooks.

      Pick a plan

      You only pay for downloads of statements you've already seen tie. A statement that doesn't tie never counts against your pages, and any first charge is refundable within 14 days, no questions — billing & refunds.