Mercury has a free, genuinely good QuickBooks Online integration that syncs several times a day. It only ever runs forward. It starts on the date you connect, QuickBooks itself will not pull transactions older than 90 days, and the partner bank migration reset plenty of feeds. For the year the feed never saw, upload the Mercury statement PDF here and download a real Web Connect file. Start free, no credit card.
Last updated July 2026
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Upload the Mercury PDF statement to BankXLSX and choose QBO as the download format. Mercury does have a free QuickBooks Online integration, but it syncs forward from the date you connect it, and QuickBooks does not download transactions older than 90 days on any feed. Converting the statement produces the same .QBO file QuickBooks imports, so a startup catching up on last year, or a bookkeeper working from a forwarded PDF, can load history the live sync was never going to reach.
Mercury is a financial technology company, not a bank. Banking services are provided by its partner banks, Choice Financial Group and Column N.A., Members FDIC, and Mercury received conditional OCC approval in April 2026 to charter Mercury Bank, N.A. The integration is not the problem. The history is.
Mercury's QuickBooks integration syncs transactions forward from the start date you choose during setup. It does not reach behind that date and rebuild the months before, which is exactly the period a catch-up client needs.
This is QuickBooks' own ceiling, not Mercury's. Intuit states that transactions older than 90 days cannot be downloaded through a bank connection and have to be added manually from a file. A first connection typically brings in 30 to 90 days and nothing more.
Mercury moved customers off Evolve Bank & Trust to Choice Financial Group and Column N.A. Accounts that moved got reconnected, and a fresh connection does not backfill what the old one used to show.
Seed-stage companies routinely open Mercury, run for a year on spreadsheets, then hire a bookkeeper. QuickBooks gets set up in month fourteen, and everything before that lives in the statement archive.
Mercury will hand you a pre-formatted QuickBooks CSV, which is useful, but it is not a .QBO file. QuickBooks Desktop Web Connect reads .qbo and nothing else, and the QuickBooks Online CSV path makes you map columns and caps each upload at 350 KB.
Mercury supports bookkeeper roles, but plenty of founders never set one up and just forward the statement. You cannot authorize a sync from inside an email attachment.
Upload the official statement and get back a valid Web Connect file QuickBooks accepts, covering the periods the live sync never touched.
You get an actual .qbo file with the OFX structure QuickBooks expects, the only format QuickBooks Desktop Web Connect will import.
A statement PDF has no 90-day rule. If Mercury issued the statement, its transactions convert, whether the period is last quarter or three years ago.
Mercury lets you bulk download statements. Drop a whole year of them in at once and rebuild the ledger from the first month of operations.
Mercury checking, savings, and Treasury statements parse correctly, including the running balance column and the merchant descriptions.
Debits land negative and credits positive with the correct posting date, so the register reconciles to the statement balance without hand fixes.
256-bit encryption in transit, and you can delete your uploaded statements whenever you want.
No software to install and no credit card to start.
In Mercury, open your org name, then Documents & Data, or open the account and choose View Statements. Select the months you need and download. A statement a founder forwarded works just as well. Drag it into the box above.
Tip: Select several months and convert them in one pass.
Once the transactions are read, pick QBO as the download format. QFX, OFX, CSV, and Excel sit next to it.
Tip: Pick QFX if the target is Quicken.
QuickBooks Online: Transactions, Bank transactions, Upload from file. Desktop: File, Utilities, Import, Web Connect Files. Pick the Mercury account and review.
Tip: One Mercury account per file.
Mercury is where a large share of US startups keep their operating cash, so the people converting its statements are usually cleaning up a young company's books: a first-year catch-up, a due diligence request, or the months a reconnected feed quietly skipped.
Rebuild a founder's first year in QuickBooks from forwarded statements, without a Mercury login and without waiting on a sync that only runs forward.
Reconcile against the official Mercury statement during cleanups, board reporting, and tax prep, including every month before QuickBooks was connected.
Bring a year of Mercury activity into QuickBooks before a raise, an audit, or the first real tax filing, instead of the 90 days the feed hands you.
Load Mercury history for a client you just onboarded, including periods that predate the day you got access.
Yes, and better than most banks do. Mercury's QuickBooks Online integration is free, syncs several times a day, and lets you assign GL codes to transactions from the Mercury dashboard before they ever land in QuickBooks. If you have an active account, a live connection, and you only care about recent activity, use it. Nothing on this page competes with that. The gap is history. The integration syncs forward from the start date you pick during setup, and QuickBooks refuses to download transactions older than 90 days on any bank connection. So the months before you connected are not coming through the feed, ever. For a startup that ran a year before hiring a bookkeeper, that is most of the ledger.
| Path | What it needs | History reach | Works for a bookkeeper? |
|---|---|---|---|
| Mercury QuickBooks integration | A Mercury login and an active account | Forward from your connect date | Only with a Mercury role on the account |
| QuickBooks bank feed | The account credentials in QuickBooks | 90 days, Intuit's own ceiling | Only with the client's login |
| Mercury QuickBooks CSV export | A Mercury login | Any period you can export | No, and it is a CSV, not a .QBO |
| Converted statement PDF | The PDF, nothing else | Every statement Mercury issued | Yes, a forwarded email is enough |
Read the table as a division of labor rather than a competition. The Mercury integration owns everything from today forward. The conversion route owns everything behind it: the first year nobody was tracking, the months a reconnected feed skipped, an account that closed when the company switched providers, and any period a bookkeeper needs but has no login to fetch.
Mercury moved customers off Evolve Bank & Trust and onto its other partner banks, Choice Financial Group and Column N.A. Accounts that moved were effectively re-established, which means the QuickBooks connection had to be set up again against the new account. A new connection starts at zero and pulls 90 days at most, so the pre-migration activity does not reappear on the other side. If your Mercury account moved and QuickBooks now shows a suspiciously short history, that is why. The statements from before the move still exist, and each one converts into a QBO file that imports exactly like a bank download.
Duplicates are the usual way a manual import goes wrong, and the risk goes up when a live sync and a converted file overlap. Mercury's own guidance for connecting Treasury says to pick a start date later than the last posted transaction in QuickBooks, and the same logic applies in reverse: before you import a converted file, open the register, find the oldest transaction the feed brought in, and end your converted file the day before it. Load history behind the feed, not on top of it. QuickBooks does try to catch duplicates on Web Connect imports, but it matches on amount, date, and reference, so a reworded description or a shifted posting date will slip through.
In QuickBooks Online, open Transactions, then Bank transactions, choose the Mercury account, and pick Upload from file under the Link account dropdown. Select the QBO file, confirm the account it maps to, and the transactions land in the For review tab ready to categorize. In QuickBooks Desktop, use File, Utilities, Import, Web Connect Files. Keep one Mercury account per file, since QuickBooks maps a single QBO to a single account, and keep each upload under 1,000 transactions and 350 KB, the caps QuickBooks Online enforces. A busy startup month can brush against that, so split by month if an upload is rejected.
All of them convert, because the input is the statement, not the platform. Mercury checking, savings, and Treasury statements come out as clean QBO files with signed amounts intact. Prefer a spreadsheet? The Mercury statement to Excel converter produces XLSX and CSV from the same upload, and the bank statement to QBO converter covers every other institution. For the step-by-step version, see how to import Mercury transactions into QuickBooks. If the 90-day wall is what brought you here, why QuickBooks only imports 90 days of transactions explains the rule and what each connection type actually reaches, and catch-up bookkeeping in QuickBooks covers the full rebuild. Before you upload a busy year, check how many transactions QuickBooks accepts at once.
If you already pulled Mercury's QuickBooks CSV and just need it in Web Connect form, a dedicated CSV to QBO converter does that one job. When statements from several institutions are headed into the same QuickBooks file, a purpose-built bank statement to QuickBooks converter runs the PDF to QBO workflow across all of them.
Yes. Mercury has a free QuickBooks Online integration that syncs several times a day and lets you assign GL codes from the Mercury dashboard. It syncs forward from the date you connect it, and QuickBooks will not download transactions older than 90 days on any feed, so periods before your connect date come from the statement PDF instead.
That ceiling is QuickBooks', not Mercury's. Intuit states that transactions older than 90 days cannot be downloaded through a bank connection and must be added from a file. Converting your Mercury statement PDFs to QBO files and uploading them is how you get the older months in.
Convert the Mercury PDF statement to a QBO file, then upload it in QuickBooks Online under Transactions, Bank transactions, Upload from file, or in QuickBooks Desktop under File, Utilities, Import, Web Connect Files. Map it to the right Mercury account and the transactions land in For review, ready to categorize.
No. QuickBooks Desktop Web Connect accepts only .qbo files, and QuickBooks Online accepts QBO, QFX, OFX, and CSV on the upload path. A PDF is a document, not a data file. BankXLSX reads the Mercury statement and writes the QBO file QuickBooks expects.
Mercury is a financial technology company, not a bank. Banking services are provided by its partner banks, Choice Financial Group and Column N.A., Members FDIC. Mercury received conditional approval from the OCC in April 2026 to establish Mercury Bank, N.A. Its statements are ordinary account statements and convert to QBO like any other.
Mercury migrated customers from Evolve Bank & Trust to Choice Financial Group and Column N.A., and migrated accounts had to be reconnected in QuickBooks. A new connection starts fresh and pulls 90 days at most, so pre-migration activity does not come back through it. The old statements still convert.
Yes. Mercury lets you select multiple months under Documents & Data and download them together, and you can upload several statements in one pass here. That is the fastest way to rebuild a startup's first year in QuickBooks. Keep each QBO upload under 1,000 transactions and 350 KB.
Every QuickBooks import path, and the limits on each.
Convert any bank statement to a QBO file.
The other startup account, with a documented 90-day sync limit.
The same statement as XLSX or CSV instead.
A digital-first bank, same PDF to QBO workflow.
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