Convert Capital One statement to Excel — accurate & reconciled

How Capital One statements are structured

Capital One 360 statements use a modern, sparse layout: an account summary box at the top, then activity grouped into sections like Deposits and Withdrawals, each with Date, Description, and Amount columns but no running balance column anywhere on the page. Descriptions are generally short and clean, though ACH entries can wrap, and the statement period appears only in the header. Because there is no printed running balance to lean on, our parser relies on the section structure to set the sign of each amount — money in under Deposits, money out under Withdrawals — and merges any wrapped ACH description lines before export. The summary box is parsed separately so the printed beginning balance, period totals, and ending balance are captured along with the statement dates. Reconciliation then works the same way it always does: beginning balance plus every extracted transaction must equal the printed ending balance. On Capital One statements the totals printed in the summary give us a second, independent check, and any row that throws the math off is reported on the results page rather than smoothed over.