Convert Navy Federal Credit Union statement to CSV for Xero — accurate & reconciled

How Navy Federal statements are structured

Navy Federal statements speak credit union: savings balances are labeled as shares, dividends post as small credit lines near the end of the period, and combined statements can stack a share savings account and a checking account into a single PDF, each under its own account header. Within an account, activity is organized into labeled sections — deposits, withdrawals, and for checking a checks-paid area — with a single amount column and no running balance, so a row's direction comes entirely from the section it appears in. Our engine detects the account headers and splits a combined document into one logical statement per account, then assigns debits and credits section by section. Check numbers are preserved in the description when they print, and dividend lines are kept as ordinary credit rows so they still count toward the totals. Each account is then reconciled independently: beginning balance plus that account's transactions must equal the ending balance printed for that account. If one account ties out and another does not, the results page names the account and the exact difference.