{
  "name": "Bank Statement Formats by Bank",
  "description": "A compiled taxonomy of bank statement PDF layouts: bank, country, column layout, date format, text-PDF download guidance, and StatementSift's sweetSpot estimate.",
  "source": "https://statementsift.com/data/bank-statement-formats",
  "publisher": "StatementSift",
  "attribution": {
    "text": "Bank statement formats by bank by StatementSift",
    "url": "https://statementsift.com/data/bank-statement-formats",
    "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 taxonomy, normalized layout labels, notes, and sweetSpot estimates only. Bank names and marks are trademarks of their respective owners; StatementSift claims no affiliation or endorsement."
  },
  "lastReviewed": "2026-06-25",
  "rowCount": 97,
  "disclaimer": "Descriptive reference compiled by StatementSift of how each bank typically formats its PDF statements (column layout, date format, where to download a text-based PDF). Layouts change and vary by account type and region; the sweetSpot flag is our honest accuracy estimate, not a guarantee. StatementSift is not affiliated with or endorsed by any bank; bank names are trademarks of their respective owners. Verify against your actual statement.",
  "columns": {
    "slug": "StatementSift bank page slug.",
    "bank": "Bank display name.",
    "country": "Country or region bucket.",
    "layout": "Typical statement amount-column layout: debit-credit, single-amount, or mixed.",
    "dateFormat": "Typical date display captured in the StatementSift bank SSOT.",
    "columnsNote": "Human-readable column guidance from StatementSift's bank layout notes.",
    "downloadTip": "Where a user typically obtains a text-based PDF statement.",
    "sweetSpot": "StatementSift's honest accuracy estimate for text-based, regular statements."
  },
  "stats": {
    "totalBanks": 97,
    "layoutCounts": {
      "single-amount": 32,
      "debit-credit": 64,
      "mixed": 1
    },
    "byCountry": [
      {
        "country": "US",
        "label": "United States",
        "count": 61
      },
      {
        "country": "UK",
        "label": "United Kingdom",
        "count": 10
      },
      {
        "country": "CA",
        "label": "Canada",
        "count": 7
      },
      {
        "country": "SG",
        "label": "Singapore",
        "count": 3
      },
      {
        "country": "HK",
        "label": "Hong Kong",
        "count": 1
      },
      {
        "country": "INTL",
        "label": "International",
        "count": 15
      }
    ],
    "sweetSpotTrue": 86,
    "sweetSpotFalse": 11
  },
  "rows": [
    {
      "slug": "chase",
      "bank": "Chase",
      "cnName": "大通银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Amount (debits negative) and Balance — a single signed amount column.",
      "columnsNoteZh": "日期、摘要、金额（支出为负）、余额，单金额列带正负号。",
      "downloadTip": "Download the official PDF statement from Statements & Documents in Chase online banking. That text-based PDF converts most accurately — avoid screenshots.",
      "downloadTipZh": "在 Chase 网银 Statements & Documents 里下载 PDF 月结单，那是带文字层的文本型 PDF，转换最准。",
      "sweetSpot": true
    },
    {
      "slug": "bank-of-america",
      "bank": "Bank of America",
      "cnName": "美国银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance — debits and credits in separate columns.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Deposits）、余额，借贷分两列。",
      "downloadTip": "Sign in to Bank of America and download the PDF statement from Statements & Documents rather than a printed or scanned copy.",
      "downloadTipZh": "登录 BofA，在 Statements & Documents 下载官方 PDF 月结单，避免用截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "wells-fargo",
      "bank": "Wells Fargo",
      "cnName": "富国银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Check Number, Description, Deposits/Credits, Withdrawals/Debits and Ending Balance.",
      "columnsNoteZh": "日期、支票号、摘要、存入/贷、取出/借、结束余额。",
      "downloadTip": "Grab the PDF from Account Activity → Statements in Wells Fargo online banking; a text-based PDF gives the cleanest result.",
      "downloadTipZh": "在 Wells Fargo 网银的 Account Activity → Statements 下载 PDF，文本型 PDF 转换效果最好。",
      "sweetSpot": true
    },
    {
      "slug": "citibank",
      "bank": "Citibank",
      "cnName": "花旗银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Amount and Balance.",
      "columnsNoteZh": "日期、摘要、金额、余额。",
      "downloadTip": "Download the official PDF statement from Citi online banking, not an emailed screenshot.",
      "downloadTipZh": "在花旗网银下载官方 PDF 对账单（非邮件截图）。",
      "sweetSpot": true
    },
    {
      "slug": "capital-one",
      "bank": "Capital One",
      "cnName": "第一资本",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MMM DD",
      "columnsNote": "Date, Description, Payments/Debits, Deposits/Credits and Balance; credit-card statements use Trans Date, Post Date, Description and Amount.",
      "columnsNoteZh": "日期、摘要、付款/借、存款/贷、余额；信用卡账单则是交易日、过账日、摘要、金额。",
      "downloadTip": "Download the PDF statement from the Statements page in your Capital One account.",
      "downloadTipZh": "在 Capital One 的 Statements 页下载 PDF 账单。",
      "sweetSpot": true
    },
    {
      "slug": "us-bank",
      "bank": "U.S. Bank",
      "cnName": "美国合众银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MMM DD",
      "columnsNote": "Date, Description, Reference, Amount and Balance.",
      "columnsNoteZh": "日期、摘要、参考号、金额、余额。",
      "downloadTip": "Download the PDF from Statements in U.S. Bank online banking.",
      "downloadTipZh": "U.S. Bank 网银 Statements 下载 PDF。",
      "sweetSpot": true
    },
    {
      "slug": "pnc",
      "bank": "PNC Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Deposits and Other Additions, Checks and Other Deductions, and Balance.",
      "columnsNoteZh": "日期、摘要、存款与其他贷项、支票与其他借项、余额。",
      "downloadTip": "Download the PDF from Statements in PNC Online Banking.",
      "downloadTipZh": "在 PNC Online Banking 的 Statements 下载 PDF。",
      "sweetSpot": true
    },
    {
      "slug": "td-bank",
      "bank": "TD Bank",
      "cnName": "道明银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Posting Date, Description, Debit, Credit and Balance.",
      "columnsNoteZh": "过账日期、摘要、借、贷、余额。",
      "downloadTip": "Download the PDF statement from TD online banking.",
      "downloadTipZh": "TD 网银下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "truist",
      "bank": "Truist",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance.",
      "columnsNoteZh": "日期、摘要、取出、存入、余额。",
      "downloadTip": "Download the PDF from Statements in Truist online banking.",
      "downloadTipZh": "Truist 网银 Statements 下载 PDF。",
      "sweetSpot": true
    },
    {
      "slug": "american-express",
      "bank": "American Express",
      "cnName": "美国运通",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Credit-card statement: Date, Description and Amount (charges positive, credits negative). No running-balance column.",
      "columnsNoteZh": "信用卡账单：日期、摘要、金额（消费为正、退款为负）。无余额列。",
      "downloadTip": "Download the PDF from Statements & Activity in your Amex account.",
      "downloadTipZh": "在运通账户的 Statements & Activity 下载 PDF 账单。",
      "sweetSpot": true
    },
    {
      "slug": "discover",
      "bank": "Discover",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Credit-card statement: Trans Date, Post Date, Description and Amount.",
      "columnsNoteZh": "信用卡账单：交易日、过账日、摘要、金额。",
      "downloadTip": "Download the PDF from Statements in your Discover account.",
      "downloadTipZh": "Discover 账户 Statements 下载 PDF。",
      "sweetSpot": true
    },
    {
      "slug": "navy-federal",
      "bank": "Navy Federal Credit Union",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Debit, Credit and Balance; the credit-union layout varies slightly.",
      "columnsNoteZh": "日期、摘要、借、贷、余额；信用社版式略有差异。",
      "downloadTip": "Download the PDF from eStatements in Navy Federal online banking. Credit-union layouts may need a balance-check pass — use our reconciliation to verify.",
      "downloadTipZh": "在 Navy Federal 网银 eStatements 下载 PDF。信用社版式可能需要余额校验复核。",
      "sweetSpot": false
    },
    {
      "slug": "ally",
      "bank": "Ally Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Date, Description, Amount and Balance. This online bank uses a clean, regular layout.",
      "columnsNoteZh": "日期、摘要、金额、余额。网络银行版式干净。",
      "downloadTip": "Download the PDF from Statements in Ally online banking — the layout is tidy and converts very accurately.",
      "downloadTipZh": "Ally 网银 Statements 下载 PDF，版式规整、转换很准。",
      "sweetSpot": true
    },
    {
      "slug": "chime",
      "bank": "Chime",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD",
      "columnsNote": "Date, Description, Amount and Balance.",
      "columnsNoteZh": "日期、摘要、金额、余额。",
      "downloadTip": "Export the PDF monthly statement from the Chime app.",
      "downloadTipZh": "在 Chime App 导出 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "sofi",
      "bank": "SoFi",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Amount and Balance.",
      "columnsNoteZh": "日期、摘要、金额、余额。",
      "downloadTip": "Download the PDF statement from your SoFi account.",
      "downloadTipZh": "在 SoFi 账户下载 PDF 对账单。",
      "sweetSpot": true
    },
    {
      "slug": "regions-bank",
      "bank": "Regions Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance — debits and credits in separate columns.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Deposits）、余额，借贷分两列。",
      "downloadTip": "Sign in to Regions online banking and download the official PDF from Statements & Documents.",
      "downloadTipZh": "登录 Regions 网银，在 Statements & Documents 下载官方 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "fifth-third-bank",
      "bank": "Fifth Third Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Debits, Credits and Balance.",
      "columnsNoteZh": "日期、摘要、借（Debits）、贷（Credits）、余额。",
      "downloadTip": "Download the PDF monthly statement from Statements in Fifth Third online banking.",
      "downloadTipZh": "在 Fifth Third 网银的 Statements 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "keybank",
      "bank": "KeyBank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM-DD",
      "columnsNote": "Date, Description, Withdrawals, Additions and Balance.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Additions）、余额。",
      "downloadTip": "Download the PDF statement from Statements in KeyBank online banking.",
      "downloadTipZh": "在 KeyBank 网银的 Statements 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "citizens-bank",
      "bank": "Citizens Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance.",
      "columnsNoteZh": "日期、摘要、取出、存入、余额。",
      "downloadTip": "Download the PDF from Statements & Documents in Citizens online banking.",
      "downloadTipZh": "在 Citizens 网银 Statements & Documents 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "huntington-bank",
      "bank": "Huntington Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Withdrawals/Debits, Deposits/Credits and Balance.",
      "columnsNoteZh": "日期、摘要、借（Withdrawals/Debits）、贷（Deposits/Credits）、余额。",
      "downloadTip": "Download the PDF statement from Documents in Huntington online banking.",
      "downloadTipZh": "在 Huntington 网银 Documents 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "mt-bank",
      "bank": "M&T Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance.",
      "columnsNoteZh": "日期、摘要、取出、存入、余额。",
      "downloadTip": "Download the PDF from Statements & Documents in M&T online banking.",
      "downloadTipZh": "在 M&T 网银 Statements & Documents 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "bmo",
      "bank": "BMO",
      "cnName": "蒙特利尔银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Debit, Credit and Balance (formerly BMO Harris; U.S. layout).",
      "columnsNoteZh": "日期、摘要、借、贷、余额（原 BMO Harris，美国版式）。",
      "downloadTip": "Download the PDF statement from Statements in BMO (U.S.) online banking.",
      "downloadTipZh": "在 BMO（美国）网银 Statements 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "comerica-bank",
      "bank": "Comerica Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Debit, Credit and Balance.",
      "columnsNoteZh": "日期、摘要、借、贷、余额。",
      "downloadTip": "Download the PDF statement from Statements in Comerica Web Banking.",
      "downloadTipZh": "在 Comerica Web Banking 的 Statements 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "usaa",
      "bank": "USAA",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Debits, Credits and Balance.",
      "columnsNoteZh": "日期、摘要、借（Debits）、贷（Credits）、余额。",
      "downloadTip": "Download the PDF statement from Documents in USAA online banking or the app.",
      "downloadTipZh": "在 USAA 网银或 App 的 Documents 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "synchrony-bank",
      "bank": "Synchrony Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Savings/CD account: Date, Description, Amount and Balance — this online bank uses a clean layout.",
      "columnsNoteZh": "储蓄/CD 账户：日期、摘要、金额、余额；网络银行版式较干净。",
      "downloadTip": "Download the PDF from Statements & Documents in Synchrony Bank online banking.",
      "downloadTipZh": "在 Synchrony Bank 网银 Statements & Documents 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "varo-bank",
      "bank": "Varo Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Date, Description, Amount and Balance; app exports may omit the running balance, so a balance-check pass helps.",
      "columnsNoteZh": "日期、摘要、金额、余额；App 导出版式可能不带余额列，需余额校验复核。",
      "downloadTip": "Export the PDF statement from the Varo app. App-exported layouts may need a balance-check pass — use our reconciliation to verify.",
      "downloadTipZh": "在 Varo App 导出 PDF 月结单。App 导出版式可能需要余额校验复核。",
      "sweetSpot": false
    },
    {
      "slug": "current",
      "bank": "Current",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD",
      "columnsNote": "Date, Description and Amount; app exports usually omit a running-balance column, so a balance-check pass helps.",
      "columnsNoteZh": "日期、摘要、金额；App 导出版式通常不带余额列，需余额校验复核。",
      "downloadTip": "Export the statement PDF from the Current app. App-exported layouts may need a balance-check pass to verify.",
      "downloadTipZh": "在 Current App 导出对账单 PDF。App 导出版式可能需要余额校验复核。",
      "sweetSpot": false
    },
    {
      "slug": "cash-app",
      "bank": "Cash App",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Date, Description and Amount; app/web exports are irregular and usually have no balance column, so a balance-check pass helps.",
      "columnsNoteZh": "日期、摘要、金额；App/网页导出版式不规整，通常无余额列，需余额校验复核。",
      "downloadTip": "Export your account statement (PDF/CSV) from Cash App or the web. The export layout is loose, so we recommend a balance-check pass.",
      "downloadTipZh": "在 Cash App 或网页端导出账户对账单 PDF/CSV。App 导出版式较杂，建议余额校验复核。",
      "sweetSpot": false
    },
    {
      "slug": "apple-card",
      "bank": "Apple Card",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Credit-card statement (issued by Goldman Sachs): Date, Description and Amount. No running-balance column.",
      "columnsNoteZh": "信用卡账单（由 Goldman Sachs 发行）：日期、摘要、金额。无余额列。",
      "downloadTip": "Export the PDF statement from Card Balance → Statements in the iPhone Wallet app.",
      "downloadTipZh": "在 iPhone 钱包 App 的 Card Balance → Statements 导出 PDF 账单。",
      "sweetSpot": false
    },
    {
      "slug": "first-citizens-bank",
      "bank": "First Citizens Bank",
      "cnName": "",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance.",
      "columnsNoteZh": "日期、摘要、取出、存入、余额。",
      "downloadTip": "Download the PDF statement from Statements in First Citizens online banking.",
      "downloadTipZh": "在 First Citizens 网银 Statements 下载 PDF 月结单。",
      "sweetSpot": true
    },
    {
      "slug": "wise",
      "bank": "Wise",
      "cnName": "智汇",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Multi-currency account: Date, Description, Amount (with direction) and Balance; each currency exports separately and layouts vary by currency.",
      "columnsNoteZh": "多币种账户：日期、摘要、金额（含流向）、余额；不同币种分开导出，版式因币种而异。",
      "downloadTip": "Download the PDF statement per currency from your Wise account. For multi-currency, export each currency separately, then convert each one.",
      "downloadTipZh": "在 Wise 账户按币种下载 PDF 对账单（Statements）。多币种建议逐币种导出后分别转换。",
      "sweetSpot": false
    },
    {
      "slug": "hsbc",
      "bank": "HSBC",
      "cnName": "汇丰银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Date, Description, Paid out, Paid in and Balance. UK and Hong Kong layouts differ slightly.",
      "columnsNoteZh": "日期、摘要、付款（Paid out）、收款（Paid in）、余额。英国/香港版式略有不同。",
      "downloadTip": "Download the official PDF statement from HSBC online banking. For multi-currency accounts, export each currency separately.",
      "downloadTipZh": "在汇丰网银下载官方 PDF 月结单。跨境/多币种账户建议分币种导出。",
      "sweetSpot": false
    },
    {
      "slug": "barclays",
      "bank": "Barclays",
      "cnName": "巴克莱银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YY",
      "columnsNote": "Date, Description, Money out, Money in and Balance, with UK-style dates.",
      "columnsNoteZh": "日期、摘要、付出（Money out）、收入（Money in）、余额。英式日期。",
      "downloadTip": "Download the PDF statement from Barclays online banking.",
      "downloadTipZh": "在 Barclays 网银下载 PDF 对账单。",
      "sweetSpot": false
    },
    {
      "slug": "lloyds",
      "bank": "Lloyds Bank",
      "cnName": "劳埃德银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YY",
      "columnsNote": "Date, Description, Money out, Money in and Balance.",
      "columnsNoteZh": "日期、摘要、付出、收入、余额。",
      "downloadTip": "Download the PDF statement from Lloyds online banking.",
      "downloadTipZh": "Lloyds 网银下载 PDF 对账单。",
      "sweetSpot": false
    },
    {
      "slug": "rbc",
      "bank": "RBC Royal Bank",
      "cnName": "加拿大皇家银行",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM",
      "columnsNote": "Date, Description, Debit, Credit and Balance; CAD and USD accounts are separate.",
      "columnsNoteZh": "日期、摘要、借、贷、余额。加元/美元账户分开。",
      "downloadTip": "Download the PDF statement from RBC Online Banking.",
      "downloadTipZh": "在 RBC Online Banking 下载 PDF 对账单。",
      "sweetSpot": false
    },
    {
      "slug": "dbs",
      "bank": "DBS Bank",
      "cnName": "星展银行",
      "country": "SG",
      "countryLabel": "Singapore",
      "countryLabelZh": "新加坡",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM",
      "columnsNote": "Date, Description, Withdrawal, Deposit and Balance — a common Singapore layout.",
      "columnsNoteZh": "日期、摘要、取出、存入、余额。新加坡常见版式。",
      "downloadTip": "Download the PDF statement from DBS digibank.",
      "downloadTipZh": "在 DBS digibank 下载 PDF 月结单。",
      "sweetSpot": false
    },
    {
      "slug": "first-horizon",
      "bank": "First Horizon Bank",
      "cnName": "第一地平线银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance — debits and credits sit in separate columns, with check numbers on their own line.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Deposits）、余额；存款账户借贷分两列，支票号单列一行。",
      "downloadTip": "Sign in to First Horizon online banking and download the PDF from Statements & Documents. A text-based PDF converts cleanly — skip screenshots or scans.",
      "downloadTipZh": "登录 First Horizon 网银，在 Statements & Documents 里下载官方 PDF 月结单，那是带文字层的文本型 PDF，转换最准——别用手机截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "webster-bank",
      "bank": "Webster Bank",
      "cnName": "韦伯斯特银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance — credits and debits in separate columns on the deposit statement.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Deposits）、余额；存款账单借贷分列，每笔后跟一行结余。",
      "downloadTip": "Download the PDF statement from Statements & Documents in Webster online banking. The text-based PDF gives the cleanest conversion — avoid screenshots.",
      "downloadTipZh": "在 Webster Bank 网银的 Statements & Documents 里下载官方 PDF 月结单，文本型 PDF（带文字层）转换效果最好，避免用截图。",
      "sweetSpot": true
    },
    {
      "slug": "valley-bank",
      "bank": "Valley Bank",
      "cnName": "谷地银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Debits, Credits and Balance — debits and credits split into two columns, with check numbers listed for paid items.",
      "columnsNoteZh": "日期、摘要、借（Debits）、贷（Credits）、余额；存款账户借贷分两列，支票交易另列支票号。",
      "downloadTip": "Grab the PDF from the Documents / Statements area in Valley Bank online banking. A text-based PDF converts most accurately — don't use a scan.",
      "downloadTipZh": "登录 Valley Bank 网银，在 Documents / Statements 区下载官方 PDF 月结单，那种文本型 PDF 转换最准，别用扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "frost-bank",
      "bank": "Frost Bank",
      "cnName": "弗罗斯特银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals/Debits, Deposits/Credits and Balance, with check numbers shown on their own lines.",
      "columnsNoteZh": "日期、摘要、取出/借、存入/贷、余额；存款账单借贷分列，支票号单独成行。",
      "downloadTip": "Download the PDF from eStatements / Documents in Frost online banking. The text-based PDF converts most accurately — avoid photos or scans.",
      "downloadTipZh": "在 Frost Bank 网银的 eStatements / Documents 里下载官方 PDF 月结单，文本型 PDF（带文字层）转得最准，避免用手机拍照或扫描。",
      "sweetSpot": true
    },
    {
      "slug": "zions-bank",
      "bank": "Zions Bank",
      "cnName": "锡安银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YY",
      "columnsNote": "Date, Description, Withdrawals/Debits, Deposits/Credits and Balance — credits and debits in separate columns.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals/Debits）、存入（Deposits/Credits）、余额；存款账户借贷分两列。",
      "downloadTip": "Sign in to Zions Bank online banking and download the PDF from Statements & Documents. A text-based PDF converts cleanly — skip screenshots.",
      "downloadTipZh": "登录 Zions Bank 网银，在 Statements & Documents 下载官方 PDF 月结单，那是文本型 PDF（带文字层），转换最准——别用截图。",
      "sweetSpot": true
    },
    {
      "slug": "old-national-bank",
      "bank": "Old National Bank",
      "cnName": "老国民银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals, Deposits and Balance — debits and credits in two columns, with check numbers listed separately.",
      "columnsNoteZh": "日期、摘要、取出（Withdrawals）、存入（Deposits）、余额；存款账单借贷分列，支票号单独列出。",
      "downloadTip": "Download the PDF statement from Documents / eStatements in Old National online banking. The text-based PDF gives the cleanest result — avoid scans.",
      "downloadTipZh": "在 Old National 网银的 Documents / eStatements 里下载官方 PDF 月结单，文本型 PDF（带文字层）转换效果最好，避免用扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "associated-bank",
      "bank": "Associated Bank",
      "cnName": "联合银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Associated Bank personal checking/savings statements usually run a single signed amount column: Date on the left, then Description, an Amount that's positive for deposits and negative (or parenthesized) for withdrawals, and a running Balance on the right, with beginning/ending balances summarized at the top.",
      "columnsNoteZh": "联合银行(Associated Bank)个人支票/储蓄月结单的交易明细多为单一金额列:左侧 Date 交易日期,中间 Description 摘要,金额列存款记正、扣款记负(或括号),最右是 Balance 滚动余额,顶部另有期初/期末余额汇总。",
      "downloadTip": "Sign in to Associated Bank online banking or the app, open the Documents / eStatements section, and download the official text-based PDF statement directly — avoid phone screenshots or scans of a paper copy, since scanned OCR misreads amounts and dates.",
      "downloadTipZh": "请登录 Associated Bank 网银或 App,进入 Documents / eStatements(电子月结单)区,直接下载官方生成的文本型 PDF 月结单,不要用手机截图或扫描纸质单,扫描件 OCR 容易把金额和日期读错。",
      "sweetSpot": true
    },
    {
      "slug": "cadence-bank",
      "bank": "Cadence Bank",
      "cnName": "Cadence 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Cadence Bank checking statements typically split debits and credits: Date, Description, then separate Withdrawals/Debits and Deposits/Credits columns and a Balance on the right; activity is often grouped into deposits, withdrawals, checks, and other debits sections.",
      "columnsNoteZh": "Cadence 银行(Cadence Bank)支票账户月结单通常借贷分列:Date 日期、Description 摘要,然后 Withdrawals/Debits(支出)与 Deposits/Credits(存入)各占一列,最右 Balance 余额;明细常按存款、取款、支票、扣款分小节列出。",
      "downloadTip": "In Cadence Bank online banking or the mobile app, go to Statements & Documents and download the bank's native text-based PDF statement rather than a screenshot or scan — scanned OCR frequently shifts the debit and credit columns.",
      "downloadTipZh": "请在 Cadence Bank 网银或手机 App 的 Statements & Documents(电子月结单)栏目里,下载银行原生的文本型 PDF 月结单,而不是截图或扫描件——扫描 OCR 经常把借贷两列错位。",
      "sweetSpot": true
    },
    {
      "slug": "synovus",
      "bank": "Synovus Bank",
      "cnName": "Synovus 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Synovus Bank personal statements generally use two columns: Date, Description, separate Withdrawals/Debits and Deposits/Credits, and a running Balance on the right, with checks usually itemized in their own Check Number section.",
      "columnsNoteZh": "Synovus 银行(Synovus Bank)个人账户月结单一般借贷分两列:Date 日期、Description 摘要,Withdrawals/Debits 与 Deposits/Credits 分开,右侧 Balance 为逐笔余额;支票通常另列 Check Number 单独成段。",
      "downloadTip": "Log in to Synovus online banking or the app, open the Statements / Documents area, and download the official text-based PDF statement — don't upload a phone screenshot or a scan of a paper statement, since scanned OCR struggles with amounts and balances.",
      "downloadTipZh": "请登录 Synovus 网银或 App,在 Statements / Documents(电子对账单)区下载官方文本型 PDF 月结单,不要提交手机截图或扫描纸单,扫描件 OCR 在金额和余额上容易出错。",
      "sweetSpot": true
    },
    {
      "slug": "western-alliance-bank",
      "bank": "Western Alliance Bank",
      "cnName": "西部联盟银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Western Alliance Bank serves mostly business/commercial accounts, so statements are grouped into deposits, checks paid, and other debits sections; the main table shows Date, Description, separate Debits and Credits, and a daily or per-line Balance on the right.",
      "columnsNoteZh": "西部联盟银行(Western Alliance Bank)以商业/企业账户为主,月结单多按存款、支票、其他扣款分节,主表为 Date 日期、Description 摘要、Debits(扣款)与 Credits(存入)分列,右侧带逐日或逐笔 Balance 余额。",
      "downloadTip": "In Western Alliance Bank's online or business banking, open Statements & Documents and download the bank's native text-based PDF — not a screenshot or scan, since scanned OCR is especially unreliable on these multi-section commercial statements.",
      "downloadTipZh": "请在 Western Alliance Bank 的网银/企业网银 Statements & Documents 栏目里,下载银行原生的文本型 PDF 月结单(而非截图或扫描),扫描件 OCR 对多分节的商业流水识别尤其不可靠。",
      "sweetSpot": true
    },
    {
      "slug": "east-west-bank",
      "bank": "East West Bank",
      "cnName": "华美银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "East West Bank personal/business checking statements typically split into two columns: Date, Description, a Withdrawals column and a Deposits column, then Balance on the right, with beginning/ending balances summarized at the top; some statements carry bilingual descriptions.",
      "columnsNoteZh": "华美银行(East West Bank)个人/企业支票账户月结单通常借贷分列:Date 日期、Description 摘要,Withdrawals(支出)与 Deposits(存入)各一列,最右 Balance 余额,期初/期末余额在顶部汇总;部分双语单据中英文摘要并存。",
      "downloadTip": "Sign in to East West Bank online banking or the app, open eStatements / Documents, and download the official text-based PDF statement rather than a screenshot or scan — scanned OCR is especially error-prone on the mixed English/Chinese descriptions.",
      "downloadTipZh": "请登录华美银行(East West Bank)网银或手机 App,在 eStatements / Documents(电子月结单)区下载官方文本型 PDF,不要用截图或扫描纸单——扫描件 OCR 对中英文混排的摘要识别尤其容易出错。",
      "sweetSpot": true
    },
    {
      "slug": "bank-ozk",
      "bank": "Bank OZK",
      "cnName": "OZK 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Bank OZK checking/savings statements generally split into columns: Date, Description, separate Withdrawals/Debits and Deposits/Credits, and a running Balance on the right, with checks usually listed by Check Number in their own ascending section.",
      "columnsNoteZh": "OZK 银行(Bank OZK)支票/储蓄月结单一般借贷分列:Date 日期、Description 摘要,Withdrawals/Debits 与 Deposits/Credits 分开,右侧 Balance 逐笔余额;支票通常按 Check Number 升序单独成段列示。",
      "downloadTip": "In Bank OZK online banking or the mobile app, go to Statements / Documents and download the bank's native text-based PDF — not a phone screenshot or scan, since scanned OCR easily misreads the debit/credit columns and balances.",
      "downloadTipZh": "请在 Bank OZK 的网银或手机 App 内,进入 Statements / Documents(电子月结单)区下载银行原生的文本型 PDF,而非手机截图或扫描件——扫描 OCR 容易把借贷列和余额读错。",
      "sweetSpot": true
    },
    {
      "slug": "umpqua-bank",
      "bank": "Umpqua Bank",
      "cnName": "Umpqua 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD",
      "columnsNote": "Umpqua personal checking and savings statements list transactions chronologically, one per line: Date (MM/DD), Description (payee or transfer detail), a single Amount column (debits negative, credits positive), and a running Balance on the right; card, ACH, and check activity are grouped into sections.",
      "columnsNoteZh": "Umpqua 的活期/储蓄月结单按日期顺序排列,每笔交易一行:Date(月/日)、Description(收款方或转账摘要)、单列 Amount(支出为负、入账为正),最右是 Balance 运行余额;借记卡消费、ACH、支票分段汇总。",
      "downloadTip": "Sign in to Umpqua online banking or the app, open Statements & Documents (eStatements), and download the official monthly PDF. Use that text-based PDF rather than a screenshot or scan, since OCR on scans often misreads amounts.",
      "downloadTipZh": "登录 Umpqua 网银或 App,进入 Statements & Documents(eStatements)区,下载官方月结单 PDF;请用这种文本型 PDF,不要用手机截图或扫描件,扫描件 OCR 容易认错金额。",
      "sweetSpot": true
    },
    {
      "slug": "bankunited",
      "bank": "BankUnited",
      "cnName": "BankUnited 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "BankUnited statements group activity by type — Deposits/Credits, Withdrawals/Debits, and Checks — with each line showing Date, Description, and Amount, while the account summary carries the beginning and ending balances; detail rows use a single amount column whose sign follows its section.",
      "columnsNoteZh": "BankUnited 的对账单先按交易类型分块(Deposits/Credits、Withdrawals/Debits、Checks),组内逐行列 Date、Description、Amount,并在账户摘要给出期初/期末余额;明细行多为单金额列,正负随所在分块。",
      "downloadTip": "Log in to BankUnited online banking and download the current month's official PDF from the Statements / Documents (eStatements) section. Choose the text-based PDF over a screenshot or scan, because OCR on scanned pages handles amounts and balances poorly.",
      "downloadTipZh": "登录 BankUnited 网银,在 Statements / Documents(电子对账单)栏目下载当月官方 PDF 月结单;务必下载文本型 PDF 而非截图或扫描,扫描件 OCR 解析金额和余额都不可靠。",
      "sweetSpot": true
    },
    {
      "slug": "flagstar-bank",
      "bank": "Flagstar Bank",
      "cnName": "Flagstar 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Flagstar checking statements list activity by date — Date, Description (merchant/ACH/transfer), a single Amount column (withdrawals negative, deposits positive), and a running Balance on the right — with checks, debit-card purchases, and electronic payments typically grouped into sections, plus fee and interest subtotals at the end.",
      "columnsNoteZh": "Flagstar 的活期账户月结单按日期排列明细:Date、Description(商户/ACH/转账)、单列 Amount(取款为负、存款为正)和最右 Balance;支票、借记卡消费、电子支付通常按类别分段,末尾附费用与利息小计。",
      "downloadTip": "Sign in to Flagstar online or mobile banking and download the official monthly PDF from Statements & Documents (eStatements). Use the text-based PDF rather than a screenshot or scan; OCR'd scans frequently misalign dates and amounts.",
      "downloadTipZh": "登录 Flagstar 网银或手机 App,进入 Statements & Documents(电子对账单)下载官方 PDF 月结单;请使用文本型 PDF,不要上传截图或扫描件,扫描件经 OCR 后日期与金额常对不上。",
      "sweetSpot": true
    },
    {
      "slug": "penfed",
      "bank": "PenFed Credit Union",
      "cnName": "五角大楼联邦信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "PenFed often combines several accounts (checking, savings, credit card) into one statement with a section per account; share/checking detail rows show Date, Description, a single Amount column (debit/credit), and a running Balance, while any credit-card section instead uses Transaction/Post dates with the charge amount.",
      "columnsNoteZh": "PenFed 的月结单常把多个账户(支票、储蓄、信用卡)汇总在一份文件里,每个账户分段;活期/储蓄明细为 Date、Description、单列 Amount(借记/贷记)与运行 Balance,信用卡段则另用 Transaction/Post Date 与消费金额。",
      "downloadTip": "Log in to PenFed online banking or the app and download the official PDF from Statements & Documents (eStatements). Pick the text-based PDF, not a screenshot or scan, since OCR on scans tends to misread amounts and balances.",
      "downloadTipZh": "登录 PenFed 网上银行或 App,在 Statements & Documents(电子对账单/eStatements)区下载官方 PDF;选文本型 PDF,不要用截图或扫描件,扫描件 OCR 容易把金额和余额识别错。",
      "sweetSpot": true
    },
    {
      "slug": "schoolsfirst-fcu",
      "bank": "SchoolsFirst Federal Credit Union",
      "cnName": "SchoolsFirst 信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "SchoolsFirst statements are organized by member account (checking, savings, share), and within each section every line shows Date, Description, a single Amount column (withdrawals negative, deposits positive), and a running Balance, with share dividends and fees usually itemized at the end of the section.",
      "columnsNoteZh": "SchoolsFirst 的月结单以会员账户为单位分段(支票、储蓄、Share),每段逐行列 Date、Description、单列 Amount(取款负、存款正)和 Balance 运行余额;股金分红与费用通常在段末单独列出。",
      "downloadTip": "Sign in to SchoolsFirst online banking or the mobile app and download the official monthly PDF from eStatements / Documents. Use the text-based PDF and avoid screenshots or scans, since OCR on scans reads amounts inaccurately.",
      "downloadTipZh": "登录 SchoolsFirst 网上银行或手机 App,进入 eStatements / Documents(电子对账单)下载官方 PDF 月结单;请用文本型 PDF,避免截图或扫描件,扫描件 OCR 解析金额不准。",
      "sweetSpot": true
    },
    {
      "slug": "alliant-credit-union",
      "bank": "Alliant Credit Union",
      "cnName": "Alliant 信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Alliant (an online-only credit union) breaks the statement out by account, with checking and high-rate savings detail rows showing Date, Description, a single Amount column (debits negative, credits positive), and a running Balance, and each section closing with the ending balance and dividends/interest paid.",
      "columnsNoteZh": "Alliant(纯线上信用社)的月结单按账户分段,活期/高息储蓄明细逐行为 Date、Description、单列 Amount(借记为负、贷记为正)与运行 Balance,每段末尾给出期末余额与已派发利息/分红。",
      "downloadTip": "Sign in to Alliant online banking or the app and download the official monthly PDF from Statements & Documents (eStatements). Alliant issues statements as electronic PDFs already, so just grab that text-based file — no screenshots or scans needed.",
      "downloadTipZh": "登录 Alliant 网上银行或 App,在 Statements & Documents(电子对账单)区下载官方 PDF 月结单;Alliant 本就只发电子 PDF,直接下文本型文件即可,无需截图或扫描。",
      "sweetSpot": true
    },
    {
      "slug": "becu",
      "bank": "BECU",
      "cnName": "波音员工信用社 (BECU)",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Grouped by account (one table per checking/savings sub-account): Date, Description, Withdrawals, Deposits and Balance — debits and credits in separate columns. One statement often bundles several accounts, so each section is read separately.",
      "columnsNoteZh": "按账户分段(支票/储蓄各一张表),每段列序为日期、交易说明、取出(Withdrawals)、存入(Deposits)、余额,借贷分两列;一份月结单常含多个账户,需逐段对应。",
      "downloadTip": "Sign in to BECU online banking or the app and download the official PDF from Documents → Statements. That text-based PDF converts most accurately — avoid phone screenshots or scanned copies.",
      "downloadTipZh": "登录 BECU 网银或手机 App,在 Documents → Statements(电子月结单)区下载官方 PDF;这种带文字层的文本型 PDF 转换最准,别用手机截图或拍照扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "golden-1-credit-union",
      "bank": "Golden 1 Credit Union",
      "cnName": "Golden 1 信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Withdrawals/Debits, Deposits/Credits and Balance — debits and credits split across two columns. Each share account (savings/checking) forms its own section with a beginning and ending balance to reconcile against.",
      "columnsNoteZh": "日期、交易说明、取出/借项、存入/贷项、余额,借贷分两列;每个 share 账户(储蓄/支票)单独成段,段首有起始余额、段尾有结束余额可对账。",
      "downloadTip": "Download the official PDF statement from eStatements in Golden 1 online banking or the app. Pick the text-based PDF, not a web screenshot or scan — OCR on scans misreads digits.",
      "downloadTipZh": "在 Golden 1 网银或 App 的 eStatements(电子对账单)里下载官方 PDF 月结单;选文本型 PDF,不要用网页截图或扫描件,OCR 扫描件容易看错数字。",
      "sweetSpot": true
    },
    {
      "slug": "america-first-credit-union",
      "bank": "America First Credit Union",
      "cnName": "美国第一信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Listed per share account: Date, Description, Withdrawal amount, Deposit amount and Balance. A typical credit-union layout — one statement covers all your share accounts, each section carrying its own running balance.",
      "columnsNoteZh": "按 share 账号分段列出,列序为日期、说明、取款金额、存款金额、余额;典型信用社布局,一份对账单覆盖你名下全部 share 账户,逐段都带本段结余。",
      "downloadTip": "Sign in to America First online banking or the mobile app and download the official PDF from eStatements. Be sure to grab the text-based PDF, not a screenshot or a photo of a paper copy.",
      "downloadTipZh": "登录 America First 网银或手机 App,在 eStatements 区下载官方 PDF 月结单;务必下载文本型 PDF,避免用截图或纸质件拍照扫描。",
      "sweetSpot": true
    },
    {
      "slug": "suncoast-credit-union",
      "bank": "Suncoast Credit Union",
      "cnName": "阳光海岸信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Debit (withdrawal), Credit (deposit) and Balance, with debits and credits in two columns. Savings, checking and other accounts appear in separate blocks, each with opening and closing balances for line-by-line reconciliation.",
      "columnsNoteZh": "日期、交易说明、借项(取出)、贷项(存入)、余额,借贷两列分开;储蓄与支票等各账户分块呈现,块内有期初/期末余额便于逐行对账。",
      "downloadTip": "Download the official PDF statement from eDocuments / Statements in Suncoast online banking or the app. Choose the text-based PDF — skip screenshots and scans, since scan OCR is unreliable.",
      "downloadTipZh": "在 Suncoast 网银或 App 的 eDocuments / Statements 区下载官方 PDF 对账单;选文本型 PDF,别用手机截图或扫描件,扫描件 OCR 不可靠。",
      "sweetSpot": true
    },
    {
      "slug": "vystar-credit-union",
      "bank": "VyStar Credit Union",
      "cnName": "VyStar 信用社",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Grouped by account: Date, Description, Withdrawals, Deposits and Balance. Like most credit unions, several share accounts are combined in one statement, each section showing its own beginning and ending balance.",
      "columnsNoteZh": "按账户分段,列序为日期、说明、取出(Withdrawals)、存入(Deposits)、余额;信用社常见多 share 账户合并在一份对账单,每段都有本段起止余额。",
      "downloadTip": "Sign in to VyStar online banking or the mobile app and download the official PDF from eStatements / Documents. Grab the text-based PDF with a real text layer — not a screenshot or a photographed scan.",
      "downloadTipZh": "登录 VyStar 网银或手机 App,在 eStatements / Documents 区下载官方 PDF 月结单;请下载带文字层的文本型 PDF,而非截图或拍照的扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "marcus-goldman-sachs",
      "bank": "Marcus by Goldman Sachs",
      "cnName": "高盛 Marcus",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "An online-only savings account with a clean layout: Date, Description, Amount (deposits positive, transfers out negative) and Balance — a single signed amount column. Mostly interest postings and transfers, so few rows.",
      "columnsNoteZh": "纯线上储蓄账户,布局简洁:日期、交易说明、金额(存入为正、转出为负)、余额,单金额列带正负号;主要是利息入账与转入转出,行数不多。",
      "downloadTip": "Sign in to Marcus online banking or the app and download the official monthly PDF from Documents / Statements. Marcus issues a tidy text-based PDF already, so download it directly — no need to screenshot or scan.",
      "downloadTipZh": "登录 Marcus 网银或 App,在 Documents / Statements 区下载官方月结 PDF;Marcus 出的本就是规整文本型 PDF,直接下载即可,不必截图或扫描。",
      "sweetSpot": true
    },
    {
      "slug": "mercury",
      "bank": "Mercury",
      "cnName": "Mercury 商业银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Mercury statements are split by account (Checking / Savings / Treasury); each section is a ledger with Date, Description (counterparty plus ACH/wire/card type), a single signed Amount column (credits positive, debits negative), and a running Balance on the right, with opening and closing balances bracketing the section.",
      "columnsNoteZh": "Mercury 的月结单按账户(支票/储蓄/Treasury)分段列示,每段一张明细表:日期、交易描述(含对方名称与 ACH/电汇/卡类型)、单列金额(收入为正、支出为负),最右是逐笔运行余额,期初期末余额在段首段尾对账。",
      "downloadTip": "Open Mercury on web or the app, go to Settings → Statements and download the official monthly PDF (a native text PDF) — don't feed in a screenshot or a scanned copy, since OCR on scans misreads amounts and dates.",
      "downloadTipZh": "在 Mercury 网页端或 App 里进入 Settings → Statements,按月下载官方生成的 PDF 月结单(原生文本型 PDF),不要用页面截图或导出的扫描件,截图 OCR 会把金额和日期读错。",
      "sweetSpot": true
    },
    {
      "slug": "bluevine",
      "bank": "Bluevine",
      "cnName": "Bluevine",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Bluevine business checking statements use a standard transaction table: Transaction Date, Description (ACH transfer, Bill Pay, debit-card purchase, etc.), a single signed Amount column (deposits positive, withdrawals negative), followed by a running Balance, with the masked account number, statement period and beginning/ending balances summarized at the top.",
      "columnsNoteZh": "Bluevine 商业支票月结单是标准明细表:交易日期、描述(ACH 转账/Bill Pay/借记卡消费等)、单列带符号金额(存入为正、扣款为负),后接逐笔余额列,顶部有账户号尾号、对账期与期初/期末余额汇总。",
      "downloadTip": "Log in to Bluevine on web or the app, go to Accounts → Statements & Documents and download the official monthly PDF (text-based) for the period — avoid a screenshot of the activity list or a printed-to-image scan, which makes the amount column hard to parse reliably.",
      "downloadTipZh": "登录 Bluevine 网页端或 App,在 Accounts → Statements & Documents 里按对账周期下载官方 PDF 月结单(文本型),别用网银交易列表的截图或打印成图片的扫描件,否则解析金额列容易出错。",
      "sweetSpot": true
    },
    {
      "slug": "novo",
      "bank": "Novo",
      "cnName": "Novo",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Novo small-business checking statements are a single-account ledger: Date, Description (counterparty plus tags like Novo Boost / transfer / debit card), one signed Amount column, and a running Balance on the right, with the statement period, masked account number and opening/closing balances in the header.",
      "columnsNoteZh": "Novo 小微企业支票月结单为单账户明细:日期、交易描述(对方名称加 Novo Boost/转账/借记卡等标识)、单列带符号金额,最右逐笔余额,表头列出对账期、账户尾号与期初期末余额。",
      "downloadTip": "In the Novo app or on web, go to Account → Statements and download the official monthly PDF (native text) — don't screenshot the activity feed or upload a scan, since OCR on scans tends to drop decimal points and minus signs.",
      "downloadTipZh": "在 Novo App 或网页端进入 Account → Statements,按月下载官方 PDF 月结单(原生文本),不要截图交易流水或上传扫描件,扫描 OCR 会把小数点和负号读丢。",
      "sweetSpot": true
    },
    {
      "slug": "brex",
      "bank": "Brex",
      "cnName": "Brex",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "mixed",
      "layoutLabel": "Mixed account layouts",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Brex depends on the account: corporate Card statements show two dates (Trans Date and Post Date) plus merchant Description and charge Amount with no running balance, while Brex Cash / Business Account statements show Date, Description, a single signed Amount, and a running Balance. Check first whether you're looking at a card statement or a cash account.",
      "columnsNoteZh": "Brex 因账户而异:企业卡(Card)对账单用交易日(Trans Date)与入账日(Post Date)双日期 + 商户描述 + 消费金额,无运行余额;现金账户(Brex Cash/Business Account)则是日期 + 描述 + 单列带符号金额 + 逐笔余额。解析前先看这一份是卡账单还是现金账户。",
      "downloadTip": "In the Brex dashboard, download the official PDF from Statements (corporate card) or Accounts → Statements (Brex Cash) — a text-based PDF, not a screenshot or exported image of the transaction list, because the card's dual-date columns shift out of alignment when captured as an image.",
      "downloadTipZh": "在 Brex 后台 Dashboard 的 Statements(企业卡)或 Accounts → Statements(Brex Cash)里下载官方 PDF 月结单(文本型),别用消费明细页截图或导出的图片,卡账单的双日期列一截图就错位。",
      "sweetSpot": true
    },
    {
      "slug": "axos-bank",
      "bank": "Axos Bank",
      "cnName": "Axos 银行",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "As a chartered online bank, Axos statements use the traditional reconciliation format: Date, Description (check number / ACH / debit card / interest), then two separate columns for Debits (Withdrawals) and Credits (Deposits), with a running Balance on the right, plus a deposit summary and interest detail.",
      "columnsNoteZh": "Axos 银行作为持牌网络银行,月结单采用传统对账格式:日期、交易描述(支票号/ACH/借记卡/利息等)分两列借贷——扣款(Debits/Withdrawals)与存入(Credits/Deposits)各一列,最右逐笔余额,并附存款汇总与利息明细。",
      "downloadTip": "Log in to Axos online banking or the app, go to Documents → Statements (or eStatements) and download the official monthly PDF (text-based) — not a screenshot of the activity page or a scan of a paper statement, since the debit/credit columns drift into each other when scanned.",
      "downloadTipZh": "登录 Axos 网银或 App,在 Documents → Statements(或 eStatements)里按月下载官方 PDF 月结单(文本型),别用账户活动页截图或纸质单扫描件,借贷两列被扫歪后金额会串列。",
      "sweetSpot": true
    },
    {
      "slug": "aspiration",
      "bank": "Aspiration",
      "cnName": "Aspiration",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Aspiration's Spend & Save statements are a single-account ledger: Date, Description (merchant name with debit-card / ACH / transfer tags), one signed Amount column (deposits positive, spending negative), and a running Balance on the right, with the statement period, masked account number and opening/closing balances in the header.",
      "columnsNoteZh": "Aspiration 的 Spend & Save 账户月结单是单账户明细表:日期、交易描述(商户名加借记卡/ACH/转账标识)、单列带符号金额(存入为正、消费为负),最右逐笔余额,表头列对账期、账户尾号与期初期末余额。",
      "downloadTip": "In the Aspiration app or on web, go to Account → Statements/Documents and download the official monthly PDF (text-based) for the month — don't screenshot the transaction list or upload a scan, since OCR on scans misreads both amounts and dates.",
      "downloadTipZh": "在 Aspiration App 或网页端进入 Account → Statements/Documents,按月下载官方 PDF 月结单(文本型),不要截图交易列表或上传扫描件,扫描 OCR 会把金额与日期错读。",
      "sweetSpot": true
    },
    {
      "slug": "dave",
      "bank": "Dave",
      "cnName": "Dave",
      "country": "US",
      "countryLabel": "United States",
      "countryLabelZh": "美国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MM/DD/YYYY",
      "columnsNote": "Date, Description, Amount (spend negative, deposits positive) and Balance — a single signed amount column in a clean ledger layout.",
      "columnsNoteZh": "日期、交易摘要、金额（消费为负、入账为正）、可用余额，是单金额列带正负号的简洁台账式布局。",
      "downloadTip": "Export the monthly PDF statement from Statements / Documents in the Dave app. The text-based PDF converts cleanly — don't use an app screenshot.",
      "downloadTipZh": "在 Dave App 里进入账户的 Statements / Documents，导出官方月结单 PDF，那是带文字层的文本型文件，转换最准；别用 App 截图。",
      "sweetSpot": true
    },
    {
      "slug": "natwest",
      "bank": "NatWest",
      "cnName": "国民西敏寺银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Date, Type, Description, Paid out, Paid in and Balance — money out and money in sit in separate columns.",
      "columnsNoteZh": "日期、交易类型与明细（Type/Details）、付出（Paid out）、收入（Paid in）、余额（Balance），借贷分两列。",
      "downloadTip": "Sign in to NatWest online banking or the app and download the official PDF from Statements (Download statement). Pick the text-based PDF, not a screenshot or scan.",
      "downloadTipZh": "登录 NatWest 网银或 App，在 Statements 区下载官方 PDF 月结单（Download statement），选文本型 PDF，别用网页截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "santander-uk",
      "bank": "Santander UK",
      "cnName": "桑坦德英国",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "Date, Description, Money out, Money in and Balance — debits and credits in separate columns with a running balance on each row.",
      "columnsNoteZh": "日期、交易明细（Description）、转出（Money out）、转入（Money in）、余额（Balance），借贷分列、每行带运行余额。",
      "downloadTip": "Download the official PDF statement from Statements / Documents in Santander online banking or the app. Choose the text-based PDF rather than a screenshot or scan.",
      "downloadTipZh": "在 Santander 网银或 App 的 Statements / Documents 里下载官方 PDF 对账单，挑文本型 PDF，避免邮件截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "halifax",
      "bank": "Halifax",
      "cnName": "哈利法克斯银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YY",
      "columnsNote": "Date, Payment type and Details, Money out, Money in and Balance — withdrawals and deposits in separate columns.",
      "columnsNoteZh": "日期、付款方式与明细（Payment type / Details）、转出金额（Money out）、转入金额（Money in）、余额（Balance），借贷分两列。",
      "downloadTip": "Download the official PDF statement from Statements (View / Download statement) in Halifax online banking or the app. Use the text-based PDF, not a screenshot or scanned paper copy.",
      "downloadTipZh": "在 Halifax 网银或 App 的 Statements 区下载官方 PDF 月结单（View / Download statement），用文本型 PDF，别用截图或扫描的纸质单。",
      "sweetSpot": true
    },
    {
      "slug": "nationwide",
      "bank": "Nationwide Building Society",
      "cnName": "全国建房互助会",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Date, Description, Out, In and Balance — money out and money in in separate columns, with a running balance on each line.",
      "columnsNoteZh": "日期、交易明细（Description）、转出（Out）、转入（In）、余额（Balance），借贷分两列，作为建房互助会账单每行带运行余额。",
      "downloadTip": "Sign in to Nationwide internet banking or the app and download the official PDF from Statements / Documents. Pick the text-based PDF, not a screenshot or scan.",
      "downloadTipZh": "登录 Nationwide 网银或 App，在 Statements / Documents 下载官方 PDF 对账单，选文本型 PDF，不要用截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "tsb",
      "bank": "TSB Bank",
      "cnName": "TSB 银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Date, Details, Paid out, Paid in and Balance — debits and credits in separate columns with a running balance per row.",
      "columnsNoteZh": "日期、交易明细（Details）、付出（Paid out）、收入（Paid in）、余额（Balance），借贷分两列、逐行运行余额。",
      "downloadTip": "Download the official PDF statement from Statements in TSB internet banking or the app. Use the text-based PDF, not a web screenshot or scanned paper copy.",
      "downloadTipZh": "在 TSB 网银或 App 的 Statements 区下载官方 PDF 月结单，用文本型 PDF，别用网页截图或扫描的纸质单。",
      "sweetSpot": true
    },
    {
      "slug": "monzo",
      "bank": "Monzo",
      "cnName": "Monzo",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "Monzo statements run oldest-to-newest with four core columns: transaction date, payee/description (often with a category emoji), a single signed amount in £ (money in positive, money out negative), and the running balance, plus an opening/closing balance summary.",
      "columnsNoteZh": "Monzo 月结单按时间正序排列,典型四列:交易日期、收款方/摘要(含 emoji 分类标签)、单列金额(收入为正、支出为负,以 £ 计)、以及交易后余额;并附月初/月末余额小结。",
      "downloadTip": "In the Monzo app go to Home → Manage → Bank statements, pick the month and export the PDF (CSV is also offered) — don't screenshot the feed, screenshots can't be parsed line by line.",
      "downloadTipZh": "请在 Monzo App 内点 Home → Manage → Bank statements,选好月份并导出 PDF 月结单(也可选 CSV);千万别用对账界面截图,截图无法被逐行解析。",
      "sweetSpot": true
    },
    {
      "slug": "starling-bank",
      "bank": "Starling Bank",
      "cnName": "Starling 银行",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "Starling produces clean text PDFs with columns for date, counterparty/reference, transaction type (Faster Payment, Card, etc.), a single signed amount in £ (in positive, out negative), and the closing balance, with the statement period and opening/closing balances at the top.",
      "columnsNoteZh": "Starling 月结单为规整文本型,列序通常是:日期、对方名称/参考摘要、类型(Faster Payment/Card 等)、单列签名金额(进账为正、出账为负,£),最右为账户余额;顶部含起止日期与期初期末余额。",
      "downloadTip": "Get it from the Starling app under Statements, or log in to Online Banking on desktop, choose the period and download the official PDF (CSV is available too) — please don't upload phone screenshots or photos.",
      "downloadTipZh": "请在 Starling App 的 Spaces/账户 → Statements,或登录网页版 Online Banking,选定区间后下载官方 PDF 月结单(亦可导 CSV);请勿提交手机截图或拍照件。",
      "sweetSpot": true
    },
    {
      "slug": "first-direct",
      "bank": "first direct",
      "cnName": "first direct",
      "country": "UK",
      "countryLabel": "United Kingdom",
      "countryLabelZh": "英国",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "first direct (part of HSBC) uses the classic HSBC UK layout: Date, Payment type and details, Paid out, Paid in, and Balance — multiple entries on the same day often share one balance line and the date isn't reprinted for each row.",
      "columnsNoteZh": "first direct(隶属 HSBC)沿用 HSBC 英式账单版式,列序为:日期、Payment type and details(类型与明细)、Paid out(支出)、Paid in(收入)、Balance(余额);同日多笔常合并在一个余额行下、日期不重复打印。",
      "downloadTip": "Log in to first direct Online Banking or the app and download the official PDF from the Statements / Documents section for the chosen account and month — grab the text PDF, not a screenshot of the page or a scan.",
      "downloadTipZh": "请登录 first direct Online Banking 或 App,在 Statements / Documents 区按账户与月份下载官方 PDF 月结单;务必下载文本型 PDF,不要用网银页面截图或扫描件。",
      "sweetSpot": true
    },
    {
      "slug": "scotiabank",
      "bank": "Scotiabank",
      "cnName": "丰业银行",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Scotiabank statements use the standard Canadian debit/credit ledger: Date, Transactions/Description, Amounts withdrawn ($), Amounts deposited ($), and Balance ($), with an Opening Balance at the top and a Closing Balance plus period totals at the bottom.",
      "columnsNoteZh": "Scotiabank(丰业)对账单为加拿大典型借贷分列式,列序:Date(日期)、Transactions/Description(交易摘要)、Amounts withdrawn ($)、Amounts deposited ($)、Balance ($);顶部有 Opening Balance、底部有 Closing Balance 与本期存取总额小结。",
      "downloadTip": "Sign in to Scotiabank online banking or the app, open the Statements centre, pick the account and month, and download the official PDF eStatement — choose the text PDF, not a screenshot or scan whose OCR drifts.",
      "downloadTipZh": "请登录 Scotiabank 网银或 App 的 Statements centre(对账单中心),选好账户与月份下载官方 PDF eStatement;请下载文本型 PDF,而非截图或扫描件——扫描件 OCR 容易错位。",
      "sweetSpot": true
    },
    {
      "slug": "cibc",
      "bank": "CIBC",
      "cnName": "加拿大帝国商业银行",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "MMM DD",
      "columnsNote": "CIBC statements follow the debit/credit ledger format: Date, Description, Withdrawals ($), Deposits ($), and Balance ($), opening with the Opening balance and ending with the Closing balance plus total deposits and withdrawals for the period.",
      "columnsNoteZh": "CIBC 对账单为借贷分列式,列序通常为:Date(日期)、Description(交易摘要)、Withdrawals ($)、Deposits ($)、Balance ($);月初列出 Opening balance、月末列出 Closing balance,并汇总本期总存款与总支出。",
      "downloadTip": "Log in to CIBC Online Banking, go to Accounts → View eStatements, set the date range and use Download to save the official .pdf — submit that text PDF, not a screenshot of the page or a scanned copy.",
      "downloadTipZh": "请登录 CIBC Online Banking,进入 Accounts → View eStatements,选好日期范围后用 Download 选 .pdf 下载官方 PDF 月结单;请勿提交网页截图或扫描件,务必拿文本型 PDF。",
      "sweetSpot": true
    },
    {
      "slug": "national-bank-of-canada",
      "bank": "National Bank of Canada",
      "cnName": "加拿大国民银行",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "YYYY-MM-DD",
      "columnsNote": "National Bank of Canada statements use a debit/credit ledger: Date, Description, Debit/Withdrawals, Credit/Deposits, and Balance — being Quebec-based, field labels often appear in both English and French, with an opening balance at the top and a closing balance at the bottom.",
      "columnsNoteZh": "National Bank(加拿大国民银行)对账单为借贷分列式,列序:Date(日期)、Description(交易摘要)、Debit/Withdrawals(支出)、Credit/Deposits(存入)、Balance(余额);魁北克总部账单常英法双语字段并列,顶部期初余额、底部期末余额。",
      "downloadTip": "Sign in to National Bank online banking or the app, open the Documents/Statements section, and download the official PDF for the chosen account and month — use the text PDF rather than a screenshot or scan, which can misalign columns.",
      "downloadTipZh": "请登录 National Bank 网银或 App 的 Documents/Statements(对账单)区,按账户与月份下载官方 PDF 月结单;请下载文本型 PDF,不要用截图或扫描件,扫描件易解析错列。",
      "sweetSpot": true
    },
    {
      "slug": "tangerine",
      "bank": "Tangerine",
      "cnName": "Tangerine 银行",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Tangerine statements list each line as Date, Transaction description, a single signed Amount column (credits positive, debits negative), and a running Balance on the right. Chequing and Savings statements share the same clean layout.",
      "columnsNoteZh": "Tangerine 的对账单逐笔列出日期、交易描述,后面跟一个带正负号的金额列(存入为正、支出为负),最右侧是当时的账户结余。储蓄与无手续费支票账户格式一致,排版清爽。",
      "downloadTip": "Sign in to Tangerine online banking or the app, open the account's Documents / Statements section, and download the original monthly PDF statement — avoid screenshots or photos, since scanned images give unreliable OCR.",
      "downloadTipZh": "登录 Tangerine 网银或 App,进入对应账户的「Documents / Statements」(文档/对账单)区下载每月生成的 PDF 月结单原件,不要用截图或拍照,扫描件 OCR 容易认错数字。",
      "sweetSpot": true
    },
    {
      "slug": "desjardins",
      "bank": "Desjardins",
      "cnName": "Desjardins",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "YYYY-MM-DD",
      "columnsNote": "Desjardins (AccèsD) statements show Date, a description, then separate Withdrawals/Débits and Deposits/Crédits columns, with a running Balance (Solde) at the end. Statements are bilingual, so descriptions may mix French and English.",
      "columnsNoteZh": "Desjardins(AccèsD)对账单通常按日期、交易描述,分「Retraits / Débits」(取出/借)与「Dépôts / Crédits」(存入/贷)两列列示金额,末列为余额(Solde);因双语(法/英)排版,描述常含法语词。",
      "downloadTip": "Log in to AccèsD online or the Desjardins app, go to the Statements / Relevés section, and download the official monthly PDF — don't use phone screenshots or scans of paper copies, as OCR struggles with scanned documents.",
      "downloadTipZh": "登录 AccèsD 网银或 Desjardins App,在「Relevés / Statements」(对账单)区下载每月正式的 PDF 月结单,不要用手机截图或扫描纸质单,OCR 对扫描件识别不准。",
      "sweetSpot": true
    },
    {
      "slug": "simplii-financial",
      "bank": "Simplii Financial",
      "cnName": "Simplii",
      "country": "CA",
      "countryLabel": "Canada",
      "countryLabelZh": "加拿大",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "MMM DD, YYYY",
      "columnsNote": "Simplii (a CIBC brand) no-fee chequing and savings statements list Date, Transaction description, a single signed Amount column (deposits positive, withdrawals negative), and a running Balance, in a clean CIBC-style layout.",
      "columnsNoteZh": "Simplii(CIBC 旗下)的无手续费支票/储蓄对账单逐行列出日期、交易描述、一个带正负的金额列(存入为正、支出为负),右侧为运行余额;排版与 CIBC 体系相近,字段简洁规整。",
      "downloadTip": "Log in to Simplii online banking or the mobile app, open the account's Statements / eStatements section, and download the official monthly PDF — skip screenshots or scans, since scanned images produce unreliable OCR.",
      "downloadTipZh": "登录 Simplii 网银或手机 App,进入账户的「Statements / eStatements」(电子对账单)区下载官方月度 PDF 月结单,避免截图或扫描件,扫描图片 OCR 容易把数字读错。",
      "sweetSpot": true
    },
    {
      "slug": "commonwealth-bank",
      "bank": "Commonwealth Bank",
      "cnName": "澳洲联邦银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Commonwealth Bank (CommBank) transaction and savings statements show Date, transaction Details, separate Debit and Credit columns, and a running Balance. Dates appear like '15 Mar 2026'; credit card statements instead use Date / Transaction / Amount.",
      "columnsNoteZh": "澳洲联邦银行(CommBank)交易/储蓄账户对账单按日期、交易明细,分「Debit」(借出)与「Credit」(存入)两列,末列为「Balance」(余额);日期多为「15 Mar 2026」式,信用卡单则用 Date / Transaction / Amount 结构。",
      "downloadTip": "Sign in to CommBank NetBank or the CommBank app, go to Statements, and download the official PDF eStatement — don't use screenshots or scans of paper statements, as scanned images give unreliable OCR on amounts.",
      "downloadTipZh": "登录 CommBank NetBank 网银或 CommBank App,在「Statements」区下载官方 PDF 月结单(eStatement),不要用截图或扫描纸质单,扫描件 OCR 识别金额不可靠。",
      "sweetSpot": true
    },
    {
      "slug": "westpac",
      "bank": "Westpac",
      "cnName": "西太平洋银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "Westpac transaction account statements list Date, a Description, then separate Withdrawals/Debits and Deposits/Credits columns with a running Balance. Dates read like '15 Mar 2026'; credit card statements use a single Amount column under Date / Details.",
      "columnsNoteZh": "Westpac(西太)交易账户对账单按日期、交易摘要,分「Withdrawals / Debits」与「Deposits / Credits」两列列示,末列为「Balance」(余额);日期为「15 Mar 2026」式,信用卡单则常用 Date / Details / Amount 单金额列。",
      "downloadTip": "Log in to Westpac online banking or the Westpac app, open the Statements section, and download the official PDF statement — avoid screenshots or scans of paper copies, since scanned images produce unreliable OCR.",
      "downloadTipZh": "登录 Westpac 网银或 Westpac App,在「Statements」(对账单)区下载官方 PDF 月结单,避免使用截图或纸质单扫描件,扫描图片做 OCR 容易把金额认错。",
      "sweetSpot": true
    },
    {
      "slug": "nab",
      "bank": "National Australia Bank",
      "cnName": "澳洲国民银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "NAB transaction and savings statements show Date, transaction Details, separate Debit and Credit columns, and a running Balance. Dates appear like '15 Mar 2026'; credit card statements use transaction/posting dates with an Amount column.",
      "columnsNoteZh": "NAB(澳洲国民)交易/储蓄账户对账单按日期、交易明细,分「Debit」与「Credit」两列列示金额,末列为「Balance」(余额);日期为「15 Mar 2026」式,信用卡单则用交易日/记账日 + Amount 的结构。",
      "downloadTip": "Sign in to NAB Internet Banking or the NAB app, open the Statements / Documents section, and download the official PDF statement — don't rely on screenshots or scans of paper statements, as scanned images give unreliable OCR.",
      "downloadTipZh": "登录 NAB Internet Banking 网银或 NAB App,在「Statements / Documents」区下载官方 PDF 月结单,不要用截图或扫描纸质单,扫描件 OCR 对数字识别不准。",
      "sweetSpot": true
    },
    {
      "slug": "anz",
      "bank": "ANZ",
      "cnName": "澳新银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "ANZ Statement of Account lists one row per transaction in the order Date, Transaction Details, Withdrawals (Debit), Deposits (Credit) and Balance — debits and credits sit in separate columns, dates print as '12 Mar 2024', with the account number and statement period shown in the header.",
      "columnsNoteZh": "ANZ 月结单(Statement of Account)每笔交易一行,典型列序为 日期(Date)、交易详情(Details/Transaction Details)、扣款(Withdrawals/Debits)、存入(Deposits/Credits)、结余(Balance);借贷分两列,日期用「12 Mar 2024」式英澳格式,顶部带账户号与对账起止日。",
      "downloadTip": "Sign in to ANZ Internet Banking or the ANZ App, open Statements / eStatements, pick the period and download the official PDF statement (text-based) rather than a screenshot or a scan — scanned copies make OCR misread the debit, credit and balance columns.",
      "downloadTipZh": "请登录 ANZ Internet Banking 或 ANZ App,进入 Statements / eStatements 区,选对账周期下载官方 PDF 月结单(文本型),不要用网银截图或拍照扫描件,扫描件 OCR 容易把借贷与余额读错。",
      "sweetSpot": true
    },
    {
      "slug": "hdfc-bank",
      "bank": "HDFC Bank",
      "cnName": "HDFC 银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD/MM/YY",
      "columnsNote": "An HDFC Bank savings/current statement runs Date, Narration, Chq/Ref No., Value Dt, Withdrawal Amt., Deposit Amt. and Closing Balance per row — withdrawals and deposits in separate columns; amounts use the Indian comma grouping (lakh/crore) and dates print as DD/MM/YY like '15/03/24'.",
      "columnsNoteZh": "HDFC 银行储蓄/往来账户月结单每行列序通常为 交易日期(Date)、摘要(Narration)、对手参考号(Chq/Ref No.)、入账日(Value Dt)、支出(Withdrawal Amt.)、收入(Deposit Amt.)、结余(Closing Balance);支出与收入分两列,金额用印度计数(逗号分隔到 lakh),日期为「15/03/24」式 DD/MM/YY。",
      "downloadTip": "Log in to HDFC NetBanking or the HDFC Bank MobileBanking app, go to Accounts → Statement / e-Statement, select the account and period and download the official (often password-protected) text-based PDF — avoid photos or scans, since OCR tends to swap the Withdrawal and Deposit columns on scanned statements.",
      "downloadTipZh": "请登录 HDFC NetBanking 或 HDFC Bank MobileBanking App,在 Accounts → Statement / e-Statement 下选账户与期间,下载官方 PDF 月结单(文本型,常带密码保护);切勿用拍照或扫描件,扫描件 OCR 会把 Withdrawal 与 Deposit 两列读混。",
      "sweetSpot": true
    },
    {
      "slug": "icici-bank",
      "bank": "ICICI Bank",
      "cnName": "ICICI 银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "ICICI Bank's Detailed Statement shows S No., Value Date, Transaction Date, Transaction Remarks, Withdrawal Amount (INR), Deposit Amount (INR) and Balance (INR) per row — debits and credits in separate INR columns, with dates as DD/MM/YYYY like '15/03/2024'.",
      "columnsNoteZh": "ICICI 银行月结单(Detailed Statement)每行列序一般为 序号(S No.)、起息日(Value Date)、交易日(Transaction Date)、摘要(Transaction Remarks)、支出(Withdrawal Amount INR)、收入(Deposit Amount INR)、结余(Balance INR);借贷分两列、币种标 INR,日期为「15/03/2024」式 DD/MM/YYYY。",
      "downloadTip": "Open the ICICI iMobile Pay app or ICICI Internet Banking, go to Accounts → Statement / Detailed Statement, choose the account and date range and download the official text-based PDF (usually opened with a date-of-birth password) — don't use screenshots or scans, where OCR easily misaligns the INR amount and balance rows.",
      "downloadTipZh": "请登录 ICICI iMobile Pay App 或 ICICI Internet Banking,进入 Accounts → Statement / Detailed Statement,按账户与日期区间下载官方 PDF 月结单(文本型,通常需出生日期格式密码打开);不要用截图或扫描件,扫描件 OCR 易把 INR 金额与结余对错行。",
      "sweetSpot": true
    },
    {
      "slug": "state-bank-of-india",
      "bank": "State Bank of India",
      "cnName": "印度国家银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "A State Bank of India account statement lists Txn Date, Value Date, Description, Ref No./Cheque No., Debit, Credit and Balance per row — debit and credit in separate columns, dates as DD MMM YYYY like '15 Mar 2024', commonly seen in PDFs exported from YONO.",
      "columnsNoteZh": "印度国家银行(SBI)账户明细每行列序通常为 交易日(Txn Date)、起息日(Value Date)、摘要(Description)、参考号/支票号(Ref No./Cheque No.)、支出(Debit)、收入(Credit)、结余(Balance);借贷分两列,日期为「15 Mar 2024」式 DD MMM YYYY,常见于 YONO 导出的 PDF。",
      "downloadTip": "Use the SBI YONO app or OnlineSBI, open Account Statement, generate and download the official text-based PDF (usually password-protected) for your account and period — avoid screenshots or scans, as OCR on SBI scans often shifts the Debit/Credit values out of line with the Balance.",
      "downloadTipZh": "请登录 SBI YONO App 或 OnlineSBI 网银,进入 Account Statement,按账户与期间生成并下载官方 PDF 月结单(文本型,通常需密码打开);避免用截图或扫描件,SBI 扫描件 OCR 常把 Debit/Credit 与 Balance 串行。",
      "sweetSpot": true
    },
    {
      "slug": "axis-bank",
      "bank": "Axis Bank",
      "cnName": "Axis 银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD-MM-YYYY",
      "columnsNote": "An Axis Bank statement runs Tran Date, Particulars, Chq No, Debit, Credit, Balance and Value Date per row — debits and credits in separate columns with Indian-style amount grouping, dates as DD-MM-YYYY like '15-03-2024'.",
      "columnsNoteZh": "Axis 银行月结单每行列序一般为 交易日期(Tran Date)、摘要(Particulars)、支票号(Chq No)、支出(Debit)、收入(Credit)、结余(Balance)、起息日(Value Date);借贷分两列、金额印度计数,日期为「15-03-2024」式 DD-MM-YYYY。",
      "downloadTip": "Sign in to the Axis Mobile app or Axis Internet Banking, go to Accounts → Statement / e-Statement, pick the account and period and download the official text-based PDF (usually password-protected) — avoid screenshots or scans, where OCR commonly confuses the Debit and Credit columns.",
      "downloadTipZh": "请登录 Axis Mobile App 或 Axis Internet Banking,在 Accounts → Statement / e-Statement 选账户与期间下载官方 PDF 月结单(文本型,通常需密码打开);不要用网银截图或扫描件,扫描件 OCR 容易把 Debit 与 Credit 两列读混。",
      "sweetSpot": true
    },
    {
      "slug": "ocbc",
      "bank": "OCBC Bank",
      "cnName": "华侨银行",
      "country": "SG",
      "countryLabel": "Singapore",
      "countryLabelZh": "新加坡",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM",
      "columnsNote": "An OCBC consolidated statement is grouped by account with one row per transaction in the order Date (Value Date), Description, Withdrawal, Deposit and Balance — debits and credits in separate columns, dates typically as 'DD MMM' (e.g. 15 Mar) with the year in the statement-period header, amounts in SGD.",
      "columnsNoteZh": "华侨银行(OCBC)综合月结单按账户分段,每笔交易一行,典型列序为 日期(Date/Value Date)、交易说明(Description)、提款(Withdrawal)、存款(Deposit)、结余(Balance);借贷分两列,日期多为「15 Mar」式 DD MMM(年份在对账周期标头),金额以 SGD 计。",
      "downloadTip": "Log in to the OCBC Digital app or OCBC Internet Banking, open e-Statements / Statements, select the account and month and download the official text-based PDF — don't use screenshots or photographed scans, since OCR misreads the Withdrawal, Deposit and Balance columns on scanned statements.",
      "downloadTipZh": "请登录 OCBC Digital App 或 OCBC Internet Banking,进入 e-Statements / Statements,选账户与月份下载官方 PDF 月结单(文本型);不要用截图或拍照扫描件,扫描件 OCR 会把 Withdrawal 与 Deposit 列以及结余读错。",
      "sweetSpot": true
    },
    {
      "slug": "uob",
      "bank": "United Overseas Bank",
      "cnName": "大华银行",
      "country": "SG",
      "countryLabel": "Singapore",
      "countryLabelZh": "新加坡",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "A UOB statement lists each transaction on one row: Date, then a transaction Description, followed by separate Withdrawals and Deposits columns and a running Balance on the right. Savings/current accounts use this debit-credit split; UOB credit card statements instead use Transaction Date / Posting Date.",
      "columnsNoteZh": "大华银行(UOB)月结单通常一行一笔，列序为交易日期、交易摘要，再分「Withdrawals(支出)」与「Deposits(存入)」两栏，最右是 Balance 余额；储蓄/往来账户用此借贷分栏布局，信用卡账单则另走 Trans Date/Post Date。",
      "downloadTip": "Log in to UOB Personal Internet Banking or the UOB TMRW app, open eStatements (Account Statements), and download the official text-based PDF statement — avoid screenshots or scanned copies, since scan OCR misreads digits.",
      "downloadTipZh": "请登录 UOB Personal Internet Banking 或 UOB TMRW App，进入 eStatements / Account Statements 区，下载官方 PDF 月结单(文本型)，不要用手机截图或扫描件——扫描件 OCR 容易把数字读错。",
      "sweetSpot": true
    },
    {
      "slug": "hang-seng-bank",
      "bank": "Hang Seng Bank",
      "cnName": "恒生银行",
      "country": "HK",
      "countryLabel": "Hong Kong",
      "countryLabelZh": "香港",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "A Hang Seng integrated/savings statement shows one row per entry: Date, Transaction Details, then separate Deposit and Withdrawal columns with a running Balance at the end. Credit card statements instead carry both a transaction date and a posting date.",
      "columnsNoteZh": "恒生银行(Hang Seng)综合户口/储蓄结单一行一笔，列序为交易日期(Date)、交易详情(Transaction Details)，再分「Deposit 存入」与「Withdrawal 提取」两栏，最后是 Balance 结余；信用卡结单则改用交易日/入账日两个日期栏。",
      "downloadTip": "Sign in to Hang Seng Personal e-Banking or the Hang Seng app and download the official text-based PDF from the eStatement section — don't substitute screenshots or scans, because OCR on scanned pages misreads amounts and balances.",
      "downloadTipZh": "请登入恒生网上理财或 Hang Seng Personal Banking App，于「电子结单 / eStatement」专区下载官方 PDF 月结单(可选字版本)，切勿以截图或扫描件代替——扫描件经 OCR 后金额、结余容易出错。",
      "sweetSpot": true
    },
    {
      "slug": "standard-chartered",
      "bank": "Standard Chartered",
      "cnName": "渣打银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD MMM YYYY",
      "columnsNote": "A Standard Chartered current/savings statement lists one transaction per row: Date, Description, then separate Withdrawals and Deposits columns with Balance on the right. Layouts differ slightly by market (HK/SG/UK/IN), but the debit-credit-plus-balance structure is consistent.",
      "columnsNoteZh": "渣打银行(Standard Chartered)往来/储蓄结单一行一笔，常见列序为交易日期、交易描述(Description)，再分「Withdrawals(支出)」与「Deposits(存入)」两栏，最右为 Balance 余额；不同地区(港/星/英/印)版式略有差异，但借贷分栏+余额的结构一致。",
      "downloadTip": "Log in to Standard Chartered online banking or the SC Mobile app and download the official text-based PDF from eStatements — avoid screenshots or scanned printouts, as scan OCR is unreliable on amounts and dates.",
      "downloadTipZh": "请登录渣打网银或 SC Mobile App，进入「eStatements / 电子结单」下载官方 PDF 月结单(文本可选版本)，不要用截图或纸本扫描件——扫描件 OCR 对金额与日期识别不稳。",
      "sweetSpot": true
    },
    {
      "slug": "deutsche-bank",
      "bank": "Deutsche Bank",
      "cnName": "德意志银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "DD.MM.YYYY",
      "columnsNote": "A Deutsche Bank statement (Kontoauszug) is typically single-amount: booking date (Buchung) and value date (Wert), a Verwendungszweck description, then one signed amount (Betrag, debits negative) and a running balance (Saldo). Amounts use German formatting (dot thousands, comma decimals).",
      "columnsNoteZh": "德意志银行(Deutsche Bank)对账单(Kontoauszug)多为单金额列布局：列序为记账日(Buchung)、起息日(Wert/Valuta)、交易说明(Verwendungszweck)，再是带正负号的金额(Betrag，支出为负)与最后的余额(Saldo)；金额用德式千分位与逗号小数。",
      "downloadTip": "Log in to Deutsche Bank Online Banking or the app and download the official text-based PDF from the Postfach / Kontoauszüge (statements) area — don't use screenshots or scans, since OCR struggles with German comma decimals and minus signs.",
      "downloadTipZh": "请登录 Deutsche Bank Online-Banking 或 Deutsche Bank App，在「Postfach / Kontoauszüge(对账单)」专区下载官方 PDF 文本型对账单，不要用截图或扫描件——扫描件 OCR 对德式逗号小数与负号判断不准。",
      "sweetSpot": true
    },
    {
      "slug": "bnp-paribas",
      "bank": "BNP Paribas",
      "cnName": "法国巴黎银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "A BNP Paribas statement (relevé de compte) uses debit-credit columns: booking Date, value date (Valeur), a Libellé description, then separate Débit and Crédit columns, with the Solde (balance) shown as opening/closing totals. Amounts use French formatting (space thousands, comma decimals).",
      "columnsNoteZh": "法国巴黎银行(BNP Paribas)对账单(relevé de compte)采用借贷分栏:列序为记账日(Date)、起息日(Valeur)、交易摘要(Libellé/Nature des opérations),再分「Débit(借/支出)」与「Crédit(贷/收入)」两栏,余额(Solde)多在期初期末单独列示;金额用法式空格千分位与逗号小数。",
      "downloadTip": "Log in to BNP Paribas online banking (Mes Comptes) or the app and download the official text-based PDF from Relevés / e-documents — avoid screenshots or scans, since OCR easily confuses the Débit/Crédit columns and comma decimals.",
      "downloadTipZh": "请登录 BNP Paribas 网银(Mes Comptes)或 Mes Comptes App,在「Relevés / e-documents(电子对账单)」专区下载官方 PDF 文本型对账单,不要用截图或扫描件——扫描件 OCR 易混淆 Débit/Crédit 两栏与逗号小数。",
      "sweetSpot": true
    },
    {
      "slug": "n26",
      "bank": "N26",
      "cnName": "N26",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "single-amount",
      "layoutLabel": "Signed amount column",
      "dateFormat": "DD.MM.YYYY",
      "columnsNote": "N26's PDF statement is single-amount: each row has the date, the payee/description, and one signed Amount column (debits negative, credits positive). The layout is clean and natively text-generated, with no separate debit/credit columns.",
      "columnsNoteZh": "N26 数字银行的 PDF 月结单为单金额列布局:列序为交易日期(Booking/Value Date)、收款方或交易对手(Payee/Description),再是带正负号的单一 Amount 列(支出为负、收入为正);版面干净、纯文本生成,无独立借贷分栏。",
      "downloadTip": "In the N26 app or web, open Downloads / Statements and export the officially generated PDF statement (native text version) — don't screenshot the app, since screenshots aren't full-month and OCR mishandles signed amounts.",
      "downloadTipZh": "请在 N26 App 或网页版进入「下载 / Statements(月结单)」,导出官方生成的 PDF 月结单(原生文本版),不要用 App 截图——截图非整月、且 OCR 对负号金额识别不稳。",
      "sweetSpot": true
    },
    {
      "slug": "aib",
      "bank": "Allied Irish Banks",
      "cnName": "爱尔兰联合银行",
      "country": "INTL",
      "countryLabel": "International",
      "countryLabelZh": "国际 / 跨境",
      "layout": "debit-credit",
      "layoutLabel": "Debit / credit columns",
      "dateFormat": "DD/MM/YYYY",
      "columnsNote": "An AIB current account statement row usually runs Date, Transaction Details (merchant or transfer reference), Debit, Credit, then a running Balance — debits and credits sit in separate columns with euro figures shown unsigned.",
      "columnsNoteZh": "AIB 活期账单一行通常是 日期、交易摘要(含商户/转账参考)、借出(Debit)、存入(Credit)、结余(Balance) 五栏，借贷分两列、欧元金额不带正负号，最右是逐行滚动余额。",
      "downloadTip": "Sign in to AIB Internet Banking or the AIB Mobile App and grab the official PDF from the Statements/Documents area rather than a screenshot or scan, since OCR on scans tends to misread the debit, credit and balance figures.",
      "downloadTipZh": "请登录 AIB 网银或 AIB 手机 App，在 Statements/Documents(账单与文档)里下载官方 PDF 月结单，别用截图或扫描件，扫描件经 OCR 容易把金额和余额读错。",
      "sweetSpot": true
    }
  ]
}