Convert Chase Bank Statements to Excel

We have tested one personal checking statement and one business checking statement, over five runs each, and this page describes those two layouts. Both print the statement period at the top of every page as a date range, with the month spelled out and the two dates joined by the word through, and number every page as a position within a total. Both open with a CHECKING SUMMARY block listing the beginning balance, deposits and additions, ATM and debit card withdrawals, electronic withdrawals, fees, and the ending balance.

The personal statement prints its transactions as one TRANSACTION DETAIL table with four columns: date, description, amount and balance. Debits carry a minus sign, and every row carries the balance after it. The beginning and ending balances appear as the first and last lines of that table. The statement may open with pages of account messages before the transactions, and close with the error-resolution notice.

The business statement is laid out differently. The summary block adds an INSTANCES column, the bank's own count of transactions in each category. The transactions are then printed under headed sections, DEPOSITS AND ADDITIONS, ATM & DEBIT CARD WITHDRAWALS and ELECTRONIC WITHDRAWALS, each with its own printed total. Those sections have three columns, date, description and amount, with no balance column and no minus signs. The running balance appears separately, as a DAILY ENDING BALANCE table with one figure per day, laid out in three pairs of date and amount columns. A per-card ATM & DEBIT CARD SUMMARY and a page reading "This Page Intentionally Left Blank" are also part of the layout.

Transaction dates are printed as month and day only, with no year. The year comes from the statement period printed on the page. A card purchase carries a second date inside its description, the date the purchase was made, and the card's last four digits on a line of their own beneath the row. Deposits by ACH run to two or three lines, with the originator's name, a description and a trace number, and a wire transfer's reference lines run to three.

StackExtract joins those continuation lines back onto the row they belong to, so a description reads as one cell and the next row's figures stay on the next row. On the business layout, where a row has no minus sign, the direction comes from the section it was printed under, and the section's name is kept on every row so you can see why a figure was read as money in or money out.

A date is checked against the calendar and against the printed period. A row dated on a day its month does not have, or dated after the period ended, is flagged for review with the date shown as printed, never quietly corrected to a date that would fit.

The summary block gives the first check on both layouts: the beginning balance, plus deposits and additions, minus the three withdrawal categories, should equal the ending balance. Those are the bank's figures, not sums of our rows, which is what makes the check worth running.

The personal layout allows a second, stronger check, because every row prints the balance after it. Each amount is compared with the change in balance from the previous row, so a misread amount shows up on the row it belongs to rather than as a difference at the bottom of the page.

The business layout has no balance column, so rows cannot be checked one by one. It prints two things instead: a total beneath each section, which lets each section's rows be checked against the bank's own subtotal, and the INSTANCES column, which says how many transactions the bank counted in each category, so you can count the rows in each section against it.

A check only runs when the statement prints the figures it needs. When it does not, the check is reported as one that could not run, never as a pass, because an absent check and a passed check are different facts and showing them the same way would make neither mean anything.

A business statement's longest section runs off the page and resumes on the next one under the same heading marked "(continued)". The rows on the second page belong to the section that started on the first, and StackExtract attributes them that way, so the section's printed total is compared against all of its rows rather than against the first page's.

Every page number is read, and the count of pages read is compared with the count the statement declares. Pages that carry no transactions, such as the account messages at the front, the disclosure at the back and the intentionally blank page, are expected and are not reported as a problem. A declared page that was not read is.

Upload each statement period on its own. StackExtract reads one statement period and one set of printed totals per upload, and checks the rows against them, so a file holding two statements cannot be checked as either of them. A relationship that spans business and personal accounts produces a statement for each account, and each is its own upload with its own result.

StackExtract is an independent tool and is not affiliated with, endorsed by, or connected to JPMorgan Chase & Co. or any other bank. It reads a document you already have.

XLSX is the usual choice when a person is going to read the file: it opens in Excel with the columns intact, including the section column from a business statement. CSV is the choice when something else will consume the rows.

There is also a QuickBooks-ready CSV, shaped for that import workflow. It is a file you download and import yourself. It is not a QBO file, not Web Connect, and not a connection to your accounting software or to the bank.