Convert Citibank statement to QBO — accurate & reconciled

How Citi statements are structured

Citibank statements frequently arrive as a combined document: one PDF that covers your checking account and any linked savings or money market accounts, each introduced by its own account summary with beginning and ending balances. Within each account's detail, activity is broken into labeled sections — deposits, ATM and debit withdrawals, checks paid, fees — with amounts shown in a single column whose sign depends on the section the row falls in. Citi prints the masked account number at the head of each account's section, which is what makes reliable splitting possible. Our engine detects those account headers, splits the file into one logical statement per account, and then assigns debits and credits from the section a row belongs to rather than from column position alone. Each extracted account is reconciled independently: beginning balance plus its transactions must equal the ending balance printed in that account's summary, and if it does not, we flag that account specifically and say by how much. When you download your file, each account comes out as its own cleanly separated set of rows, ready to import without any manual untangling.