Convert Chime statement to CSV — accurate & reconciled

How Chime statements are structured

Chime statements are deliberately simple: an account summary up top with beginning balance, totals in and out, and ending balance, followed by one continuous transaction table with a date, a description, and a single signed amount column. There is no checks section at all, since Chime accounts do not use paper checks, and card-purchase and transfer descriptions are short enough that wrapping is rare. Some statements carry partner-bank letterhead — The Bancorp Bank or Stride Bank — which changes nothing about the layout. Our engine reads the summary block to anchor the printed beginning and ending balances, takes each row's sign from the signed amount column, and merges the occasional wrapped description before export. With a single table and no section subtotals to lean on, whole-statement reconciliation carries the verification load: beginning balance plus every extracted transaction must equal the ending balance printed on the statement. If a row is misread, the totals will not tie, and the results page reports the exact difference instead of adjusting anything silently. Chime savings statements follow the same minimal structure and convert the same way.