Convert USAA statement to QBO — accurate & reconciled

How USAA statements are structured

USAA checking statements open with an account summary — beginning balance, totals, ending balance — then split activity into labeled sections, typically deposits and other credits first, then withdrawals and other debits, each with its own printed subtotal. Amounts appear in a single column, so a row's direction comes from the section it sits in, and there is no running balance column. Checking and savings usually arrive as separate statement documents rather than one combined PDF, which keeps each file single-account. Our engine reads the section headers to set the sign of every amount, captures the printed section subtotals as intermediate checks, and merges wrapped descriptions — USAA card purchases can run long — before export. Reconciliation then runs in two passes: each section's extracted total is compared against its printed subtotal, and beginning balance plus all activity must equal the ending balance from the summary. Any gap is reported on the results page with the amount involved, never adjusted away. USAA savings statements use the same structure with far fewer rows and convert identically.