Convert Chase Bank statement to OFX — accurate & reconciled

How Chase statements are structured

Chase checking statements open with an account summary page — beginning balance, totals for deposits and withdrawals, ending balance — before the transaction detail begins. In the detail table, each row carries a date, a description, a single signed Amount column, and a running Balance column, so the direction of every entry comes from the column itself rather than from separate debit and credit columns. Long point-of-sale and ACH descriptions regularly wrap onto a second physical line, and paid checks appear in their own section keyed by check number. Our engine merges those wrapped continuation lines back into the transaction they belong to, reads the Amount column with column-aware sign handling, and uses the running balance as a per-row cross-check: if a row fails to reconcile against the next printed balance, it is flagged instead of guessed at. Checks are captured with their check numbers preserved in the description. After extraction we reconcile beginning balance plus all transactions against the ending balance printed on the statement, and any mismatch is reported on the results page rather than passed through silently. Chase savings and business statements follow the same overall structure, so the same parsing path applies.