Citizens Bank Statement to Excel Converter

Citizens Online Banking has an Export button on an account's transactions: choose the criteria and a format, and the transactions download — useful for Quicken and similar software. The online banking FAQ puts transaction history at 18 months, and 12 months of statement activity for personal credit cards.

For the current year on an open account, the export may be all you need. For years two to seven, for a client's account you can't log in to, or for statements someone emails you, the PDF is the source, and FlowParse converts it with a proof the export doesn't give: every statement checked against its opening and closing balance.

A Citizens checking statement gives the account holder, the account number, the statement period and the beginning balance, then the period's deposits, checks and other withdrawals, each with a date, description and amount, and the ending balance.

FlowParse writes one row per transaction with the date, the description, the check number and one signed amount in USD, decided by where the amount is printed, so the amount column sums to the change in balance.

The beginning balance plus every signed transaction must equal the ending balance. FlowParse checks that on every Citizens statement, and checks rows against the running balance where it is printed. A deposit read as a withdrawal, or a check lost at a page break, makes the proof fail.

Statements that pass are marked reconciled; anything else is shown in the preview with the difference, before you download.

Alongside statements, the Document Center holds eNotices such as CD maturity notices and overdraft or insufficient funds notices, plus 1099-INT and other tax forms. They explain particular lines on the statement — a fee, an interest credit — but they are not transaction lists.

Convert the statements; keep the notices beside them. When a fee row in the converted sheet raises a question, the matching notice answers it.

For a Schedule C, a rental Schedule E, a business return or a loan application, Smart Merge takes up to 100 Citizens PDFs — checking, savings, money market, line of credit — and builds one workbook with every transaction in date order, the account and source file on every row, and a check that each ending balance is the next beginning balance.

Statements from Chase, PNC, KeyBank, TD Bank or M&T can be merged into the same workbook, column by column.

US bookkeepers and small businesses mostly work in QuickBooks Online, QuickBooks Desktop or Xero. FlowParse exports a QBO file QuickBooks imports as bank transactions, a CSV for Xero or any other software, and an Excel file for review first.

Because the description and check number are kept, each line can be matched to a bill, an invoice or a check in the register after import.

Many US statements group transactions by type — deposits in one section, checks in another, other withdrawals in a third. Copied by hand, such sections lose their signs and the dates fall out of order. A check number pasted into the amount column becomes a payment that never happened.

FlowParse signs each amount from where it is printed, keeps check numbers in their own column and can sort the merged result into date order; the balance proof confirms nothing was dropped or flipped.

A landlord in Rhode Island runs two rental properties through one Citizens checking account: rent comes in by check and transfer, repairs go out by check and card. Their accountant needs the year by property for Schedule E. The figures here are an illustration, not a real landlord's.

The landlord downloads twelve statements from the Document Center and uploads them. FlowParse returns one workbook, every statement proved, every check numbered. Filtering descriptions by tenant and payee splits rent and repairs by property; the QBO file goes into QuickBooks without a line retyped, and the check images for the larger repairs are a click away in the Document Center.

Coverage: every month for every account, each ending balance equal to the next beginning balance. Checks: the check-number column matched against the register. Reconciled: every statement proved before its totals are used.

And keep the PDFs, as Citizens itself recommends. The converted file is a working copy; the statement is the record.

Checking, savings, money market, line of credit and business account statements list transactions between two balances and convert the same way. Credit card statements convert as purchases and payments against the previous and new balance.

eNotices, CD maturity notices, 1099 forms and check images are single documents. Keep them with the file; convert the statements.

Citizens business users can access deposit accounts and overdraft lines of credit in Online Banking, and can ask for other business or personal accounts they own to be linked to their profile. Statements for those accounts sit in the same Document Center.

For a bookkeeper, linking means one login and one place to download every account's statements for the month. Upload them together and Smart Merge keeps the account on every row, so operating, payroll and tax accounts stay apart in one workbook.

Citizens lets you change paperless settings at any time under Statement Preferences. Customers who have switched back and forth have an archive in two places: online years in the Document Center, paper years in a drawer.

Converted and merged, the two become one continuous history. The ending-balance chain shows whether the months around each switch are covered, and which statement to look for if they are not.