Convert Ally Bank statement to OFX — accurate & reconciled

How Ally statements are structured

Ally statements are clean and consistent: a summary box at the top shows beginning balance, totals, and ending balance for the period, followed by transaction detail grouped into deposits and withdrawals sections. Amounts print as unsigned figures inside each section — there is no signed amount column and no running balance column — so the section header is the only source of a row's direction. Interest earned posts as its own credit line, usually at the end of the period, and descriptions are short enough that wrapping is rare. Our engine assigns debits and credits from the section a row falls in, merges the occasional wrapped ACH description, and captures the printed section totals as an intermediate check. With no running balance to verify against row by row, full-statement reconciliation does the heavy lifting: beginning balance plus every extracted transaction must equal the ending balance printed in the summary box. If the statement's own figures do not line up with what was extracted, the results page shows the exact difference — nothing is rounded or adjusted to force a tie. Ally savings and money market statements share the layout and convert the same way.