FAQ — bank statement converter

Straight answers for people converting bank statement PDFs to CSV / Excel in 2026 — quota, reconcile, formats, and paid QBO unlocks.

Do I need an account to convert a bank statement PDF?

No. The free path uses a 5-page / 24-hour device quota with no login. CSV and Excel downloads work on that quota.

What does Balanced / Off-by mean?

We compute a running balance from opening through each row and compare it to the printed closing balance. Balanced means it ties to the cent. Off-by $X means you can jump to the first mismatch row.

Why did my scanned PDF fail?

Image-only PDFs have no text layer. This batch does not invent rows from pixels. Cloud OCR is a later, labeled path that will share the same page quota.

Is CSV / Excel really free?

Yes within the free quota. Exports include a reconcile summary. QBO / OFX / optional QFX unlock at $3.99 per file or Pro $19/mo · 200 pages.

What is Waffo?

Waffo is the named checkout channel for paid unlocks on this site (not Creem by default). Soft-MVP shows placeholder CTAs only — no live charge until wiring is accepted.

How long do you keep my PDF?

Text-layer parse runs in your browser and does not upload the file. Any future cloud OCR path: delete after processing or within ≤ 24 hours.

Can I import to QuickBooks?

Use the paid QBO unlock after verifying reconcile on the free path. See Pricing for $3.99 / file and Pro monthly.