Fraud tracing, divorce lifestyle analysis, bankruptcy clawbacks, and IRS income reconstruction all start the same way: years of bank statements, often scanned productions from a subpoena, that have to become analyzable data. BankXLSX reads those PDFs, including image-only scans, and returns typed Excel or CSV with dates, amounts, and running balances intact, so the analysis starts today instead of after weeks of keying. Start free, no credit card.
Last updated July 2026
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Forensic accountants convert every statement in the production to structured data, then schedule the transactions in Excel or a database: totaling deposits by source, tracing transfers between accounts, flagging round-dollar and just-under-threshold amounts, and reconciling each account back to its statement balances. The extraction step is the bottleneck. A converter that reads the statement PDFs, scans included, and preserves the running balance turns weeks of data entry into an afternoon of review, and the footing check against the printed balance is the first control on the data itself.
The analysis is the billable expertise. Getting tens of thousands of transactions out of PDF productions is not, and it is where these matters lose their first weeks.
Subpoenaed and produced records are routinely image-only: scanned pages, faxes, and photocopies of statements from a dozen institutions. Copy and paste gets you nothing; the pages need OCR built for financial layouts.
A lifestyle analysis wants 3 to 5 years of personal and joint accounts. A tracing engagement follows every account the subject touched for the life of the scheme. That is thousands of pages before analysis begins.
Hand-entered transactions carry typos and transposition errors, and an opposing expert only needs a few of them to attack the schedules built on top.
Under FRE 702 and Daubert, expert work has to rest on sufficient facts reliably applied. Schedules that cannot be tied line by line back to the statements are exactly where cross-examination goes.
Purpose-built forensic platforms run from thousands of dollars up front to five figures a year. On a single-matter engagement or a small-firm caseload, that math rarely works.
Discovery cutoffs and report deadlines do not move because data entry ran long. The extraction step has to be measured in hours.
BankXLSX is the data-preparation step: it turns statement PDFs into accurate, source-traceable spreadsheets your own schedules and tools take from there.
Image-only PDFs, photocopies, and faxed statement pages are read with OCR tuned for statement layouts, so a subpoena production converts the same way a clean e-statement does.
Each row keeps the printed running balance, so every page foots against the statement itself. A dataset that reconciles to source is the foundation of a defensible schedule.
Dates parse as dates and amounts as signed numbers, so pivot tables, deposit summaries, and interbank transfer matching work immediately in Excel.
Upload statements across accounts, banks, and years in bulk. Formats vary by institution; the output columns stay consistent so accounts merge cleanly.
Automatic transaction categorization gives the lifestyle analysis or expenditures schedule a first pass you refine, instead of a blank column.
256-bit encryption in transit, deletion on your schedule, and no reselling or sharing of uploaded data. Client statements stay client statements.
No software to install and no credit card to start.
Drag in the statement PDFs, native or scanned, one account or the whole production. Password-protected files are supported.
Tip: Batch by account to keep the tie-outs simple.
Check the extracted rows and foot the running balance against the statement totals, the first control every reviewer asks about.
Tip: The balance column makes page-level footing fast.
Take XLSX or CSV into your own tracing schedules, deposit analyses, and exhibits. The statement PDFs remain your source documents.
Tip: Keep one workbook per account, then consolidate.
Any engagement that reconstructs financial activity from bank records runs through the same extraction step first.
Trace funds through accounts in embezzlement and fraud matters with every transaction, not a sample, in the dataset.
Build the divorce lifestyle analysis from 3 to 5 years of statements and surface the transfers that point to undisclosed accounts.
Pull the debtor's accounts into Excel to isolate 90-day preference payments, insider transfers, and fraudulent conveyances inside the lookback windows.
Reconstruct a decedent's or fiduciary's account activity across the years of administration to support or defend an accounting.
| Engagement | Records typically reviewed | Lookback that matters |
|---|---|---|
| Embezzlement and fraud tracing | Every account the subject touched, plus related entities | Life of the scheme, commonly several years |
| Divorce lifestyle analysis | Personal, joint, and card accounts | Typically 3 to 5 years of spending |
| Bankruptcy avoidance actions | Debtor operating and personal accounts | 90 days for preferences, 1 year for insiders, 2 years for federal fraudulent transfers, 4 or more under state UVTA |
| IRS income reconstruction | Every deposit account, all institutions | The open tax years under exam |
| Estate and probate disputes | Decedent and fiduciary accounts, brokerage included | The period of administration, often many years |
The bank deposits method is an IRS-recognized indirect method of proving income, set out in Internal Revenue Manual 4.10.4: total all deposits across every account the subject controls, back out inter-account transfers, redeposits, and nontaxable items such as loans and gifts, add cash spending that never hit an account, and compare the result to reported income. The gap is treated as unreported income unless a nontaxable source is shown. It is inherently a transaction-level exercise across every statement page, which is why extraction accuracy and completeness decide whether the schedule survives scrutiny. Once the rows are in Excel, our guide on how to analyze bank statements in Excel covers the pivot and summary mechanics, and the transaction categorization tool gives the deposit and expenditure buckets a first pass.
Tracing lives and dies on complete, consistently formatted data. When each account converts to the same column layout, matching a withdrawal from one account to a deposit in another a day or two later becomes a sortable exercise instead of a paper chase, and commingled funds can be worked under whichever convention the matter calls for. The running balance extraction matters here twice: it foots each page against the printed balance, and it exposes the gaps, a missing month or a skipped page, before the other side finds them. For productions that span dozens of files, bulk statement processing keeps the whole set moving at once, and heavily degraded scans go through the OCR bank statement converter.
Purpose-built investigation platforms bundle extraction with link charts, entity resolution, and case management, and they price accordingly: third-party buyer guides report enterprise contracts in the tens of thousands of dollars per year, and legacy desktop forensic tools at several thousand dollars up front plus annual maintenance. BankXLSX deliberately covers the first mile only, accurate extraction into Excel or CSV, priced for a single matter, and your analysis stays in the tools you already defend in court. If you are comparing the platform tier, our honest Ocrolus alternative breakdown shows where a converter fits and where it does not. Firms supporting counsel may also need the underlying case law; a plain-English AI legal research tool speeds the lookback-period questions, and when the production includes contracts, invoices, or checks rather than statements, an enterprise document data extraction service handles those layouts.
Expert financial testimony is screened under FRE 702 and Daubert: sufficient facts and data, reliable methods, reliably applied. In statement work that translates to traceability, in that every line in the schedule ties back to a page in the production, the dataset reconciles to the statement balances, and the workpapers show how raw records became exhibits. Converted output that preserves dates, descriptions, signed amounts, and running balances is built for exactly that tie-back, and the original PDFs remain the source documents your report cites. Attorneys managing the wider document set can hand the statements to the expert and the rest to the law firm converter workflow, and the general-purpose bank statement converter covers every institution a production can contain.
They convert every statement to structured data, then schedule it: totaling deposits by source, tracing transfers between accounts, flagging unusual amounts, and reconciling each account to its statement balances. The findings feed schedules and exhibits that tie line by line back to the source statements.
An IRS-recognized indirect method from Internal Revenue Manual 4.10.4: total all deposits across controlled accounts, remove transfers and nontaxable items, add cash expenditures, and compare to reported income. Courts have repeatedly upheld it, and it requires transaction-level data from every statement.
The core federal windows are 90 days before filing for preference payments, one year for payments to insiders, and two years for fraudulent transfers under Section 548. Trustees can also borrow state fraudulent-transfer law, where the UVTA commonly reaches back four years or more.
Practitioners typically work from 3 to 5 years of personal, joint, and card statements. That span is long enough to establish the marital standard of living, smooth one-off spending, and surface recurring transfers that point to undisclosed accounts or income.
Yes, and they usually are: subpoenaed productions arrive as scans, faxes, and photocopies. The pages need OCR to become data, and the extracted rows should be footed against the printed running balances so the dataset demonstrably matches the source documents.
A mix: Excel remains the analysis workhorse, enterprise platforms add link charts and case management at enterprise prices, and converters like BankXLSX handle the extraction step, turning statement PDFs into clean spreadsheets the analyst schedules in their own defensible workflow.
Uploads are encrypted in transit with 256-bit encryption, files can be deleted whenever you choose, and data is never resold or shared. Many teams also convert account by account and keep the consolidated analysis entirely inside their own environment.
Summaries and totals straight from a statement.
The balance column that foots every page.
Convert a whole production at once.
The counsel-side statement workflow.
Converter vs. platform, honestly compared.
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