To convert a statement with several accounts in one PDF, cut it into one file per account, then convert each file. Read whole, a combined statement becomes one account holding every account’s rows. Evidilo adds up every row against the balances the bank printed, so it holds a combined file as not tying out. DocuClipper and other converters are worth the same test.
We printed one statement holding a checking and a savings account six ways and read each through Evidilo’s production reader. Every row came back with the right date, amount and balance in every file. In every combined file, though, all six rows were filed under the first account’s number. Cut into one file per account, each part tied out on its own.
What happens when one PDF holds two accounts?
The converter reads one statement where the bank printed two. A statement carries one account number, one opening balance and one closing balance, and an import file is written for one account, so something has to give. In Evidilo the account number is the first one the PDF prints, the opening balance is the first account’s, and the rows of both accounts follow each other in one list.
Banks do issue these. Dart Bank’s combined statements page says “Checking, Savings, CDs and loans are able to be combined on one monthly statement”, and that a loan shows only its balance in the summary of accounts. Dart Bank is not one of the twelve banks in Evidilo’s reader register, and none of its statements were part of this test.
What did the reader make of one statement printed six ways?
It read every transaction correctly and put all of them in one account. The checking account ends 4417 and holds four transactions; the savings account ends 7731 and holds two, one of them the transfer from checking. Each account on its own tied out. Every combined layout came back as one statement under one number, held for review.
| How the PDF lays out the accounts | Account number read | Closing balance read | Balance check |
|---|---|---|---|
| Checking alone, then savings alone (two controls) | 4417, then 7731 | 2,071.43, then 5,251.31 | Both tie out |
| Checking on page 1, savings on page 2 | 4417 | 5,251.31 | Fails at row 5, off by 2,928.57 |
| Both accounts on one page | 4417 | 2,071.43 | Fails at row 5, off by 2,928.57 |
| A summary page, then a page per account | 4417 | 5,251.31 | Fails at row 5, off by 2,928.57 |
| Savings on page 1, checking on page 2 | 7731 | 2,071.43 | Fails at row 3, off by -4,251.31 |
| Each account’s page cut into a file of its own (four parts) | Its own | Its own | Every part ties out |
The closing balance moves with the layout: Evidilo looks for it from the last page back, so it is the savings account’s when savings has the last page, and the checking account’s, printed first, when both sit on one page. The PDFs imitate no bank’s layout, so the table says what this reader does with each one and nothing about how a given bank prints a combined statement.
What is Evidilo?
Evidilo is a bank statement to accounting import file converter that reads one account per statement. It adds up every row against the opening, closing and daily balances the bank printed and marks the first day that does not tie out, which is how a combined file shows itself. It turns a PDF, a scan, a photo of a paper statement, a CSV, an Excel file, a Word document or an OFX/QFX file into QBO, IIF, OFX, QFX, QIF, CSV or Excel, and three statements a day convert free, up to 10 pages each, without an account.
Why does the balance check fail at the second account?
Because the second account’s first running balance does not follow from the first account’s last one. Checking ends at 2,071.43. The next row in the list is the savings account’s 14 September transfer in, with a balance of 5,250.00 that starts from the savings opening balance of 5,000.00. The check stops at that row, row 5, and the difference it reports, 2,928.57, is exactly 5,000.00 less 2,071.43.
So the failing row is where the second account begins, and the difference is the gap between one account’s closing balance and the next one’s opening balance. With savings first the same arithmetic runs the other way: the check stops at row 3, the first checking row, off by -4,251.31, which is 1,000.00 less 5,251.31. When a statement you know holds two accounts fails at one row and that difference matches the two balances, the rows themselves are probably fine. Why the check catches what it catches is covered in what a tied-out statement tells you.
A file that does not tie out is not downloaded silently. Evidilo answers “This file does not tie out yet. We show the difference and ask you to confirm first.” If you confirm, the file is named after the one account number the statement carries, 4417 here, and holds the savings rows as well.
How do I split a combined statement into one file per account?
Cut the PDF along the pages where each account starts, keeping the pages as they are. In our test every part cut this way tied out under its own account number with its own opening and closing balance.
- Open the statement and note the page range of each account. The account number printed at the top of each block tells you where one ends and the next begins.
- Leave out the summary page if there is one. It lists balances, not transactions, and cutting it away on its own is not enough: pages 2 and 3 of our summary layout, kept together in one file, failed at row 5 exactly as before.
- Save each account’s pages as a file of its own with a tool that copies the pages rather than redrawing them. We cut ours with pikepdf, which copies the page as it is, text layer included. A tool that turns the page into a picture sends it down the scan route, which this test did not cover.
- Convert each file and check that the account number and the closing balance are the ones printed on that account’s pages.
- Import each file into its own account in the books. A PDF bank statement into QuickBooks without duplicates covers matching the rows against what a bank feed already brought in.
What if both accounts are on the same page?
Then a page range cannot separate them, and the best route is a separate statement for each account where the bank’s online banking offers one. In our one-page layout the reader did what it did with the others: six rows under 4417, failing at row 5, the first savings row.
If the combined statement is all you have, the row the check names is the place to cut. Download the CSV or Excel file after confirming the difference, split the rows at that row, and import each half into its own account. Check each half against its own opening and closing balance before importing, because once the rows are split, nothing in the file checks them for you. Converting a bank statement to CSV or Excel covers what those files hold.
How was this checked?
On 29 October 2026 we wrote one synthetic statement with a checking and a savings account as six PDFs with pikepdf 10.17.0, and cut five parts out of the combined ones by copying whole pages. Each file went through Evidilo’s production code the way an upload is read: the pages, the period, the account number, then the rows, with no model involved, which is the route a PDF with a text layer takes. Every row was compared with what the file printed. The results are in dataset.csv, and check.py rebuilds the files, repeats every reading and re-reads Dart Bank’s page.
Evidilo routed the summary page to its model reader, the route a scan takes, and that call was not made here. What the model returns for a summary page is untested, which is one more reason to leave the summary page out.
Questions about statements that combine accounts
Can I convert a combined checking and savings statement in one go?
You can, but the result is one account’s file holding both accounts’ rows. Evidilo read every row right in our test, filed them all under the first account number printed, and held the statement for review at the first savings row. Cutting the PDF into one file per account gave two statements that both tied out.
Which account number does the converted file use?
In Evidilo, the first one the statement prints. With checking first that was 4417 for all six rows, and with savings first it was 7731. Evidilo names the downloaded file after the last four digits of that number, so a combined file is easy to spot by its name.
Does a converter like DocuClipper separate the accounts?
We did not run DocuClipper or any other converter on these files, so we cannot say. The test takes a minute on a statement of your own: convert a combined statement and look at whose account number the file carries and whether the second account’s rows are in it. Evidilo does not separate them; its balance check flags the file instead.
Will QuickBooks split a combined statement when I import it?
An Evidilo QBO or OFX file names one account, so QuickBooks receives every row as that one account’s. We did not import a combined file into QuickBooks for this test. Cutting the PDF first means each file names its own account, and you import each one where it belongs.
Should I keep the summary page?
Leave it out of the files you convert, and keep the original PDF as the bank issued it. The summary lists balances rather than transactions, and Evidilo routed ours to its model reader, whose answer for it we did not test. Dropping it alone does not fix a combined file: the accounts still have to be cut apart.