How to check a converted bank statement
The bank already printed most of the answer: most statements print their own totals. DocsToBooks reads the rows, adds them up, and compares the result with those totals. You see each comparison, not an adjective.
What gets compared
These are the statement's printed controls. Which ones a statement has depends on the bank and the layout.
Opening and closing balance
Opening, plus credits, minus debits, must equal the printed closing balance.
Printed counts
Where the bank prints "10 debits" or "3 deposits", the number of rows read must match.
The running balance
Where a balance is printed on the rows, each one must follow from the one before. This is what finds the place a row went missing.
Page and section totals
Where the bank prints them, they are checked too.
The certificate shows every check
Each statement gets a certificate that lists the controls checked, what the bank printed, what we read, and whether they agree. Checks that could not run, or did not apply, are listed with the reason.
No adjective, just the numbers. You can check any line against the paper.
Harbourline Credit Union · Business chequing · CAD · 01/06/2026 to 30/06/2026
Layout: business chequing · Supported
Statement: Reconciled
Closing balance 8,412.07 + 21,930.00 − 19,775.46 = 10,566.61; printed 10,566.61
Counts debits printed 44, read 44; credits printed 9, read 9
Running balance 53 of 53 rows agree
Page totals not printed on this statement
Months join May's statement not in this run; add it to check May's closing
against June's opening The failed control, by how much, and where to look.
The certificate says which control failed and by how much. Where the statement prints a running balance, that check narrows the gap to a few lines. You can still export the rows, marked: the file name ends in _NOT_RECONCILED, the first column says NOT RECONCILED, and the certificate goes with it.
A figure we can't read is reported as unreadable. A layout we don't know is refused as an unsupported layout, never read with the nearest match, and never counted against your plan.
Months that join
Put consecutive statements for one account in the same run and each opening balance is compared with the previous closing balance. A missing month shows as a gap. A statement on its own is not marked down for having no neighbour; its certificate says the check could not run.
What "Reconciled" does not mean
Reconciled means the rows agree with the printed controls named on the certificate. It does not mean every row is right. Some errors can leave every total unchanged, such as two amounts swapped between rows, or one row missed while another of the same amount is read twice. The checks catch errors that break a printed control. They cannot catch errors that keep every control intact. You still review the books; the certificate tells you where to start.
Invoices and receipts
Invoices and receipts are read the same way. Subtotal, tax and total are checked against each other where they are printed. Tax is taken only where it is printed, never worked out from a rate. A receipt that prints only a total is marked "Nothing to check against": the total is read, and there is nothing printed to check it with. Invoices and receipts have their own monthly allowance, from the Practice plan.
Exports
Excel, CSV, QuickBooks Online (QBO), QuickBooks Desktop (IIF), a QuickBooks CSV, and the certificate as a PDF. QBO, IIF and QuickBooks CSV files for a statement that doesn't reconcile stay locked until you confirm you've seen the difference.
Questions
My bank only gives me PDFs. Can I get them into QuickBooks?
Yes. Drop in the PDFs, check them, and export QBO for QuickBooks Online or IIF for QuickBooks Desktop. A CSV with date, description and amount is also there for any other ledger.
My bank won't download that far back. What do I do?
Use the statements. Many banks keep PDF statements far longer than a feed or download reaches, though the history available varies. Check each statement here, then export the history your feed doesn't have.
What does "Reconciled" mean?
The rows agree with every printed control named on the certificate. It does not mean every row is right; some errors leave every total the same.
What happens when a statement doesn't reconcile?
The certificate names the failed check and the amount. You can still export, marked. Nothing is filled in or adjusted.
Can I edit a balance to make it reconcile?
No. The controls are what the bank printed, and they are not editable. If a printed figure could not be read, the statement is marked, and you can see why.
Will it remove duplicate transactions?
No, deliberately. Two identical transactions on one day are often real. The printed counts are what catch a row read twice.
Which banks do you read?
The Layouts page lists every layout with its status. We support a layout, not a whole bank: one statement design for one kind of account.
What if a statement's layout isn't supported?
It is refused as an unsupported layout, and it is never counted against your plan. You can request it.
What about scanned statements?
Scans are read from the page image. Every figure used in a check must read the same in two independent passes, or it is reported as unreadable. Scan reading is Experimental for now, and the certificate says so.
Is there AI in the numbers?
No. Reading and checking are fixed rules and arithmetic. No model reads, suggests or changes a figure. The product has no AI features.
Do my clients' statements leave my computer?
Not with the Windows app. It reads everything on your PC and contacts us only for your licence and your export count. The browser version uploads files to our server in France and deletes them after your retention period: 24 hours unless you choose 7 or 30 days.
Does a certificate satisfy the CRA?
No, and we don't claim it does. It shows how your rows tie to the printed statement, which is a useful working paper. What the CRA needs is set by the CRA and your accountant.
Does it do credit card statements?
Yes, for the card layouts listed as Supported on the Layouts page. Card statements are read in the card's own terms: purchases and payments.