{
  "slug": "bank-statement-format-changes",
  "name": "Bank statement format changes",
  "description": "A dated StatementSift change log of bank statement export, CSV/OFX/QBO import, and accounting-software format rules sourced from official provider documentation.",
  "source": "https://statementsift.com/data/bank-statement-format-changes",
  "publisher": "StatementSift",
  "attribution": {
    "text": "Bank statement format changes by StatementSift",
    "url": "https://statementsift.com/data/bank-statement-format-changes",
    "siteUrl": "https://statementsift.com"
  },
  "license": {
    "name": "CC BY 4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "scope": "CC BY 4.0 covers StatementSift's compiled summaries, normalized labels, and dated change-log taxonomy. Provider names and marks remain trademarks of their respective owners."
  },
  "lastReviewed": "2026-06-29",
  "disclaimer": "This dataset is a descriptive change log for bank-statement export, import, and accounting-software file-format behavior. It is not financial, accounting, tax, or legal advice. Every row should be checked against the official source before operational reliance.",
  "rowCount": 12,
  "stats": {
    "rowCount": 12,
    "verifiedCount": 1,
    "officialSourceCount": 12,
    "byEntityType": {
      "accounting-software": 7,
      "bank": 4,
      "format-standard": 1
    },
    "byFormat": {
      "QBO": 4,
      "Web Connect": 1,
      "OFX": 4,
      "CSV": 7,
      "QFX": 2,
      "PDF": 4,
      "bank feeds": 1
    }
  },
  "columns": {
    "slug": "Stable StatementSift change-row slug.",
    "title": "Human-readable change title.",
    "entity": "Provider, bank, or format standard involved.",
    "entityType": "accounting-software, bank, or format-standard.",
    "changeType": "Normalized change category.",
    "observedDate": "Date StatementSift checked the official source.",
    "effectiveDate": "Provider-stated effective date when explicitly available.",
    "verified": "True only when the official source gives a concrete effective date.",
    "sourceUrl": "Official provider or standards-body source URL."
  },
  "rows": [
    {
      "slug": "quickbooks-desktop-web-connect-qbo-import",
      "title": "QuickBooks Desktop still documents Web Connect file import",
      "summary": "Intuit's bank-feeds documentation continues to describe Web Connect downloads and import workflows for bank transactions in supported QuickBooks Desktop environments.",
      "entity": "QuickBooks Desktop Web Connect",
      "entityType": "accounting-software",
      "changeType": "import-workflow",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Banks and QuickBooks versions varied between direct feeds, Web Connect downloads, and manual file import.",
      "after": "Users should confirm their QuickBooks version is supported, then import official bank-exported QBO/Web Connect files or a carefully reviewed converter output.",
      "impact": "A QBO export from a statement converter is useful only after row-level review and only in a supported QuickBooks setup.",
      "affectedFormats": [
        "QBO",
        "Web Connect",
        "OFX"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Intuit get started with bank feeds in QuickBooks Desktop",
      "sourceUrl": "https://quickbooks.intuit.com/learn-support/en-us/help-article/bank-connectivity/get-started-bank-feeds-quickbooks-desktop/L5gZcG2Ql_US_en_US",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/quickbooks-desktop-bank-feed-retirement-2026",
        "/guides/import-bank-statement-quickbooks"
      ]
    },
    {
      "slug": "quickbooks-online-csv-3-vs-4-column",
      "title": "QuickBooks CSV imports expect 3-column or 4-column layouts",
      "summary": "Intuit documents CSV bank-transaction imports with either date/description/amount or date/description/debit/credit style columns.",
      "entity": "QuickBooks Online",
      "entityType": "accounting-software",
      "changeType": "csv-template",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "A single generic CSV export often needed manual mapping before import.",
      "after": "Statement exports should preserve a clear single amount column or split debit/credit columns to match the importing workflow.",
      "impact": "Converters should label amount-sign logic and debit/credit splits before a user imports data into books.",
      "affectedFormats": [
        "CSV"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Intuit CSV formatting guidance for bank transactions",
      "sourceUrl": "https://quickbooks.intuit.com/learn-support/en-us/help-article/bank-transactions/format-csv-files-excel-get-bank-transactions/L4BjLWckq_US_en_US",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/bank-statement-to-csv-guide",
        "/guides/import-bank-statement-quickbooks"
      ]
    },
    {
      "slug": "xero-csv-bank-statement-import",
      "title": "Xero supports CSV bank statement imports with mapped columns",
      "summary": "Xero's official help center describes importing bank statements from CSV files and mapping statement columns during import.",
      "entity": "Xero",
      "entityType": "accounting-software",
      "changeType": "csv-import",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Users often exported a bank PDF to a spreadsheet and then adjusted date, amount, and description fields manually.",
      "after": "A converter should deliver clean, one-transaction-per-row CSV data that can be mapped in Xero's import flow.",
      "impact": "CSV row structure matters more than visual spreadsheet formatting when the destination is Xero.",
      "affectedFormats": [
        "CSV"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Xero import a CSV bank statement",
      "sourceUrl": "https://central.xero.com/s/article/Import-a-CSV-bank-statement-US",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/bank-statement-to-csv-guide",
        "/tools/pdf-to-csv"
      ]
    },
    {
      "slug": "xero-ofx-qfx-quickbooks-bank-statement-import",
      "title": "Xero also documents OFX/QFX bank statement imports",
      "summary": "Xero's official help describes importing OFX, QFX, QBO, QIF, and OFC style statement files, making OFX/QBO export quality relevant beyond QuickBooks.",
      "entity": "Xero",
      "entityType": "accounting-software",
      "changeType": "ofx-import",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "PDF-only bank statements were not directly importable into Xero without conversion.",
      "after": "A reviewed OFX/QBO-style export can bridge a PDF statement into accounting software that accepts financial data exchange files.",
      "impact": "OFX/QBO generators should preserve dates, payee descriptions, signs, and balances, then ask users to review before import.",
      "affectedFormats": [
        "OFX",
        "QFX",
        "QBO"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Xero import an OFX bank statement",
      "sourceUrl": "https://central.xero.com/s/article/Import-an-OFX-bank-statement-US",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/import-bank-statement-quickbooks",
        "/tools/bank-statement-to-excel"
      ]
    },
    {
      "slug": "wave-bank-statement-csv-upload",
      "title": "Wave supports uploading bank or credit-card statements as CSV",
      "summary": "Wave's official support article describes uploading a bank or credit-card statement in CSV format for transaction import.",
      "entity": "Wave",
      "entityType": "accounting-software",
      "changeType": "csv-upload",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Users with PDF-only statements needed a spreadsheet conversion before they could upload transactions.",
      "after": "CSV exports should be simple, reviewed, and easy to map in the destination accounting app.",
      "impact": "A local PDF-to-CSV flow is a practical fallback when a bank feed misses historical transactions.",
      "affectedFormats": [
        "CSV"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Wave upload a bank or credit card statement in CSV format",
      "sourceUrl": "https://support.waveapps.com/hc/en-us/articles/208621626-Upload-a-bank-or-credit-card-statement-in-csv-format",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/bank-statement-to-csv-guide",
        "/tools/pdf-to-csv"
      ]
    },
    {
      "slug": "freshbooks-bank-transaction-import",
      "title": "FreshBooks documents bank transaction imports and CSV expense import",
      "summary": "FreshBooks support documents bank-account transaction imports and separate CSV/file import paths for expenses and manual reconciliation.",
      "entity": "FreshBooks",
      "entityType": "accounting-software",
      "changeType": "csv-import",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Users often reconciled old transactions by hand when a connected bank feed did not reach the required period.",
      "after": "A CSV export from a PDF statement can support manual review and import workflows where FreshBooks permits file upload.",
      "impact": "Statement conversion should stay conservative: preserve original descriptions, signs, and dates for reconciliation review.",
      "affectedFormats": [
        "CSV"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "FreshBooks bank account transaction import help",
      "sourceUrl": "https://support.freshbooks.com/hc/en-us/articles/232009268-How-can-I-import-transactions-from-my-bank-account",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/bank-statement-to-csv-guide",
        "/tools/pdf-to-csv"
      ]
    },
    {
      "slug": "capital-one-online-statement-7-year-access",
      "title": "Capital One says online statements can be available for up to 7 years",
      "summary": "Capital One's help center says eligible online statements can be accessed for up to 7 years, which affects how far back users may be able to obtain source PDFs.",
      "entity": "Capital One",
      "entityType": "bank",
      "changeType": "statement-availability",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "A user without the original PDF might assume old statements require a branch or support request.",
      "after": "Capital One customers should check the official online-statement area first before using scans or OCR.",
      "impact": "A downloaded text-based PDF is usually safer and more accurate than a scanned paper statement.",
      "affectedFormats": [
        "PDF"
      ],
      "affectedBanks": [
        "capital-one"
      ],
      "sourceLabel": "Capital One online statements help",
      "sourceUrl": "https://www.capitalone.com/help-center/checking-savings/online-statements/",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/banks/capital-one",
        "/guides/scanned-statement-accuracy"
      ]
    },
    {
      "slug": "wells-fargo-online-statement-availability",
      "title": "Wells Fargo documents online statement access and download workflows",
      "summary": "Wells Fargo's official statement FAQ documents online statement access and customer workflows for statements.",
      "entity": "Wells Fargo",
      "entityType": "bank",
      "changeType": "statement-availability",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Users sometimes converted a scan even when a text-based PDF was still available online.",
      "after": "Wells Fargo customers should try the official statement download path first, then convert the downloaded PDF locally.",
      "impact": "Official text-based PDFs reduce OCR risk and make row-level balance checks more reliable.",
      "affectedFormats": [
        "PDF"
      ],
      "affectedBanks": [
        "wells-fargo"
      ],
      "sourceLabel": "Wells Fargo online statement FAQs",
      "sourceUrl": "https://www.wellsfargo.com/help/online-banking/statement-faqs/",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/banks/wells-fargo",
        "/guides/scanned-statement-accuracy"
      ]
    },
    {
      "slug": "bank-of-america-transaction-reporting-export",
      "title": "Bank of America documents business reporting and export workflows",
      "summary": "Bank of America's official business online banking FAQ documents transaction reporting and export capabilities for eligible business users.",
      "entity": "Bank of America",
      "entityType": "bank",
      "changeType": "export-workflow",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "Business users often treated a PDF statement as the only export artifact.",
      "after": "Eligible users should check official transaction reporting exports before converting PDFs manually.",
      "impact": "Native exports should be preferred when available; PDF conversion remains a local fallback for statement-only periods.",
      "affectedFormats": [
        "CSV",
        "PDF"
      ],
      "affectedBanks": [
        "bank-of-america"
      ],
      "sourceLabel": "Bank of America global transaction reporting FAQ",
      "sourceUrl": "https://www.bankofamerica.com/smallbusiness/online-banking/faqs/global-transaction-reporting/",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/banks/bank-of-america",
        "/guides/bank-statement-to-csv-guide"
      ]
    },
    {
      "slug": "chase-uk-statement-pdf-csv-export",
      "title": "Chase UK documents statement access and export routes",
      "summary": "Chase UK's support documentation describes statements and related access routes; Chase commercial documentation also describes statement/image download workflows.",
      "entity": "Chase",
      "entityType": "bank",
      "changeType": "statement-export",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "A Chase user might start from a statement PDF even where a portal export is available for the account type.",
      "after": "Users should first use the official Chase statement/export flow for their country and account type, then convert only when the source artifact is PDF.",
      "impact": "Country and account type matter; do not assume one Chase export format applies to every Chase customer.",
      "affectedFormats": [
        "PDF",
        "CSV"
      ],
      "affectedBanks": [
        "chase"
      ],
      "sourceLabel": "Chase UK statements support",
      "sourceUrl": "https://www.chase.co.uk/gb/en/support/statements/",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/banks/chase",
        "/guides/bank-statement-to-csv-guide"
      ]
    },
    {
      "slug": "ofx-work-group-continues-under-fdx",
      "title": "OFX stewardship continues through the FDX OFX Work Group",
      "summary": "Financial Data Exchange describes an OFX Work Group, signaling that OFX remains a relevant interoperability standard even as banks and apps modernize data access.",
      "entity": "OFX / FDX",
      "entityType": "format-standard",
      "changeType": "format-stewardship",
      "status": "observed",
      "observedDate": "2026-06-29",
      "before": "OFX/QBO were often treated as legacy import formats with unclear current stewardship.",
      "after": "OFX remains documented by a formal industry group, while each accounting product still controls what it accepts.",
      "impact": "Converters should generate conservative OFX/QBO output and avoid claiming universal acceptance across every bank or ledger app.",
      "affectedFormats": [
        "OFX",
        "QBO",
        "QFX"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Financial Data Exchange OFX Work Group",
      "sourceUrl": "https://financialdataexchange.org/about-fdx/ofx-work-group/",
      "lastChecked": "2026-06-29",
      "verified": false,
      "relatedPaths": [
        "/guides/import-bank-statement-quickbooks",
        "/tools/bank-statement-to-excel"
      ]
    },
    {
      "slug": "quickbooks-desktop-2023-bank-feeds-2026-05-31",
      "title": "QuickBooks Desktop 2023 services discontinue after May 31, 2026",
      "summary": "Intuit's service discontinuation policy says QuickBooks Desktop 2023 add-on services are scheduled to stop after May 31, 2026. This is a services date for the 2023 product line, not a claim that all QuickBooks Desktop ends in 2026.",
      "entity": "QuickBooks Desktop 2023",
      "entityType": "accounting-software",
      "changeType": "service-discontinuation",
      "status": "confirmed",
      "observedDate": "2026-06-29",
      "effectiveDate": "2026-05-31",
      "before": "Supported QuickBooks Desktop 2023 users could use connected add-on services, including bank feeds and Web Connect service surfaces where available.",
      "after": "After the discontinuation date, Intuit directs users to a supported QuickBooks version or current online workflow for connected services.",
      "impact": "Bookkeepers with PDF statements should keep a verified CSV/QBO/OFX fallback so legacy bank-feed gaps do not force manual retyping.",
      "affectedFormats": [
        "QBO",
        "OFX",
        "CSV",
        "bank feeds"
      ],
      "affectedBanks": [
        "chase",
        "bank-of-america",
        "wells-fargo",
        "citibank",
        "capital-one",
        "us-bank",
        "american-express"
      ],
      "sourceLabel": "Intuit QuickBooks Desktop service discontinuation policy",
      "sourceUrl": "https://quickbooks.intuit.com/learn-support/en-us/help-article/feature-preferences/quickbooks-desktop-service-discontinuation-policy/L17cXxlie_US_en_US",
      "lastChecked": "2026-06-29",
      "verified": true,
      "relatedPaths": [
        "/quickbooks-desktop-bank-feed-retirement-2026",
        "/guides/import-bank-statement-quickbooks",
        "/tools/bank-statement-to-excel"
      ]
    }
  ]
}