Convert your Citizens Bank statement to Excel, QBO & Xero

A Citizens business or commercial checking statement carries a Balance Calculation near the front: Previous Balance, Checks, Debits, Deposits & Credit, and Current Balance. The Citizens template reads those figures first, so it knows what the transaction lists have to add up to. We worked from statements headed Commercial Checking, Clearly Better Business Checking and Analysis Business Checking.

Checks and Debits are money out, and Deposits & Credits are money in. Debit lines print the amount before the description, and wire transfers can add several detail lines for the beneficiary, which stay attached to their transaction. Dates print as month and day only, so the year comes from the Beginning and through dates at the top of page one. The dated Daily Balance listing is a running balance, not transactions, so it stays out of your export.

A month with no activity converts to an empty transaction list that still balances, and an overdrawn ending balance keeps its minus sign. Anything in the PDF that did not come from Citizens, for example a court cover sheet filed alongside, contributes no rows.

Citizens prints a Balance Calculation, and the figures in it are the test. We total the rows we pulled out and set them against Previous Balance, Checks, Debits, Deposits & Credit and Current Balance. A match is marked Balanced, and a mismatch shows the exact difference, all before anything is downloaded.