Chase checking, business and credit card statements
Convert Chase bank statements to Excel, CSV and QuickBooks
Chase’s own download covers recent activity. For older months, closed cycles and statement-exact balances, convert the PDF statement instead — checking or credit card, digital or scanned.
- Type-grouped checking sections re-sorted into one date order
- Card statements checked against the Account Summary
- Year carried across a December–January billing cycle
- QBO, QFX, CSV and Excel from the same conversion
7 years
of statements online
Depending on the account type
2 years
of activity to download
On chase.com, not in the app
CSV · QFX · QIF · QBO
Chase’s own download formats
Daily Ending Balance
instead of a balance on every row
On statements grouped by transaction type
The short answer
Can you just download Chase transactions to Excel?
Converting a Chase bank statement to Excel is only necessary for the history Chase’s own download does not reach. For recent activity, Chase lets checking and credit card customers download transactions on chase.com as a spreadsheet (CSV), a Quicken Web Connect file (QFX), a QIF file or a QuickBooks Web Connect file (QBO). Chase’s description of its Spending Planner tool puts those downloads at the last two years; the date range on offer for a given account is shown when you open the download, so check it there.
Statements are a separate archive. Chase keeps PDF statements under Statements & documents — up to seven years, depending on the account type. Anything older than the download window, any cycle you need to agree to the printed closing balance, and any account you can no longer download from has to come from those PDFs.
That is where converting the statement earns its keep: last year’s Sapphire statements for a tax return, three years of Business Complete Banking for a catch-up, a statement a client posted or scanned, or a figure that has to match the statement to the cent. The PDF is the authoritative record; the download is a convenience copy of a moving window.
Checking statements are grouped by type, not sorted by date
Sample statement
What a Chase statement looks like
Hover or tap a number to see what each part means for a conversion.
CHASE
Chase Business Complete Checking · Account ending 7731
June 01, 2026 through June 30, 2026
RIVERA DESIGN STUDIO LLC
CHECKING SUMMARY
- Beginning Balance
- $8,412.55
- Deposits and Additions (2 instances)
- 3,768.40
- ATM & Debit Card Withdrawals (2 instances)
- -232.36
- Electronic Withdrawals (2 instances)
- -4,610.00
- Ending Balance (6 instances)
- $7,338.59
DEPOSITS AND ADDITIONS
| DATE | DESCRIPTION | AMOUNT |
|---|---|---|
| 06/03 | Remote Online Deposit 1 | $2,450.00 |
| 06/12 | Orig CO Name:Stripe Orig ID:1800948598 Desc Date:260612 CO Entry Descr:Transfer | 1,318.40 |
Total Deposits and Additions$3,768.40
ATM & DEBIT CARD WITHDRAWALS
| DATE | DESCRIPTION | AMOUNT |
|---|---|---|
| 06/05 | Card Purchase 06/04 Staples 00118 Austin TX Card 2290 | $142.37 |
| 06/12 | Card Purchase 06/11 Adobe *Creative Cloud 408-536-6000 CA Card 2290 | 89.99 |
Total ATM & Debit Card Withdrawals$232.36
ELECTRONIC WITHDRAWALS
| DATE | DESCRIPTION | AMOUNT |
|---|---|---|
| 06/10 | Orig CO Name:Gusto Orig ID:9138864001 Desc Date:Jun 10 CO Entry Descr:Net Pay | $2,860.00 |
| 06/29 | Online Payment 18823410 To Lone Star Office Leasing 06/29 | 1,750.00 |
Total Electronic Withdrawals$4,610.00
DAILY ENDING BALANCE
| DATE | AMOUNT |
|---|---|
| 06/03 | $10,862.55 |
| 06/05 | 10,720.18 |
| 06/10 | 7,860.18 |
| 06/12 | 9,088.59 |
| 06/29 | 7,338.59 |
Native export
What Chase lets you export from a checking account
For the last two years, the download is usually enough. The statement PDFs cover the five years before that, and they are the only route for a month that has to agree with Chase’s printed balances.
Activity download on chase.com
The last two years
A spreadsheet (CSV), Quicken Web Connect (QFX), Quicken or Microsoft Money (QIF) or QuickBooks Web Connect (QBO) file for a date range you choose, on the desktop site.
Where it stops: Nothing older than two years, no opening or closing balance to prove the rows, and the Chase Mobile app offers a PDF of transactions instead of these formats.
Statements & documents
Up to 7 years
One PDF per statement period with the Checking Summary, every deposit, withdrawal, check and fee, and the Daily Ending Balance table where the layout has one.
Where it stops: A PDF only, and on grouped statements the rows are sorted by type, not by date. Getting them into a ledger means converting and re-sorting them.
Converting the statement with VouchRow
Any statement you have
The sections are gathered into one date order, checked against the Checking Summary and the Daily Ending Balance, and exported with every row linked to its line on the PDF.
Where it stops: Needs the statement PDF. A month older than seven years has to come from your own files or from Chase.
How far back
How far back each Chase checking option reaches
Chase gives you three ways to get checking data out, and each one stops at a different point. The figures are Chase’s own. If you are after a Sapphire, Freedom or Ink card, the Chase credit card page covers the card statement, which is laid out differently.
Activity download on chase.com (CSV, QFX, QIF, QBO)
2 years
Chase describes the desktop download as covering the last two years. The range runs on the dates you pick, so it rarely starts on a statement’s opening date.
Transactions as PDF in the Chase Mobile app
Last calendar year
In the app, Chase offers a PDF of transactions for the last calendar year. It is a printout of rows, not a spreadsheet.
Statements (PDF)
Up to 7 years
Under Statements & documents, depending on the account type. Each statement carries the Checking Summary that proves the month.
A dashed bar means the bank does not publish a figure; check your own online banking.
Step by step
How to convert a Chase statement
From the statement on chase.com to rows in your accounting software.
- 1Open Statements & documents on chase.comSign in and open Statements & documents from the main menu (in the Chase Mobile app it sits under Document manager in your profile). Choose the account and the year, then open or save each statement as a PDF.
- 2Keep the PDF exactly as Chase issued itSave the original file rather than printing to PDF or taking screenshots, so the text layer stays intact. Paper statements are fine too: scan them and they are read with OCR, one statement at a time.
- 3Upload the statements to VouchRowSign in and add the PDFs. Digital Chase statements can go in as a batch, so a year of checking or a year of card cycles converts in one pass.
- 4Read the reconciliation resultChecking statements are proved against the balances Chase prints; card statements against the Account Summary — previous balance, payments and credits, purchases, fees, interest and new balance. Click any row to see the highlighted line on the PDF it came from.
- 5Export for your softwareQBO for QuickBooks (you enter Chase’s bank ID), QFX for Quicken, the Xero or QuickBooks CSV preset, or Excel to review first. Re-exporting the same statement later produces the same transaction IDs, so a second import does not duplicate.
Formats
Where is your Chase checking data going?
Pick the destination. What to watch for changes with it.
Chase bank statement to Excel
An .xlsx with one row per transaction in date order: date, description and a signed amount, deposits positive and withdrawals, checks and fees negative. The type sections of the statement are merged, so a deposit on the 12th sits between the payroll on the 10th and the lease payment on the 29th, as it happened.
The rows add up from the Beginning Balance to the Ending Balance on the Checking Summary. For a year of Business Complete Banking, convert the twelve statements in one batch; each starts where the last one closed.
PDF to ExcelChase statement to CSV
Use CSV when another tool reads the file: a script, a budgeting app or an import screen. Choose the date format the importer expects before you export, because Chase prints MM/DD and an importer set for DD/MM will misplace the first twelve days of every month.
Chase’s own CSV only reaches back two years and carries no opening balance. A converted CSV covers any statement you upload, with the same columns every time.
PDF to CSVChase statement to QuickBooks
Export QBO and import it into the checking account in QuickBooks Online or Desktop. Chase offers QBO in its own download for the last two years, so older months converted to QBO land in the same account the same way. Enter Chase’s bank ID (INTU.BID) when you export, taken from a QBO you downloaded from Chase.
Every row carries a transaction ID, so a converted month that overlaps a downloaded one is recognised rather than doubled. That matters on a catch-up, where the last two years often went in through the download already.
PDF to QBOChase statement to Quicken
QFX is the Quicken Web Connect file Chase itself offers. Import a converted QFX into the existing Chase checking account in Quicken so older history joins the account you already sync, instead of opening a new one.
QIF works too, and Chase offers it, but QIF has no transaction IDs, so importing the same month twice duplicates it. Use QFX when your Quicken version takes it.
PDF to QFXChase statement to Xero
Use the Xero CSV preset: one signed amount column, rows in date order, and the date format Xero expects. Import it into the Chase bank account in Xero and reconcile as usual.
Because the grouped sections are already merged and signed, Xero sees deposits as money in and checks, card purchases and ACH debits as money out, without any column mapping beyond the preset.
Statements into XeroStatement layout
How a Chase statement is laid out
The facts to check against the statement in front of you. Accounts covered: Total Checking, Business Complete Banking, Sapphire and Freedom credit cards.
| Date format | MM/DD, with the year taken from the statement period rather than each row |
|---|---|
| Running balance | Present on checking statements, absent on credit card statements |
| Amount columns | One signed column on checking; a single amount column on cards, with credits marked |
| Descriptions | Frequently wrap onto a second and third line, particularly for card purchases |
| Sections | Checking statements group by transaction type — deposits, withdrawals, checks, fees — rather than running in one date order |
Why it works
Built for the way Chase prints statements
Sections back in date order
Where a Chase checking statement splits activity into deposits, checks, card and electronic withdrawals and fees, the rows are gathered from every section and sorted into one date order before anything is checked.
The right year on every card row
Card transactions print as MM/DD with no year. The year is taken from the opening and closing dates, and a cycle that opens in December and closes in January puts each row in the right year.
Account Summary as the proof
Card statements carry no running balance, so the conversion is checked against the printed totals: previous balance plus purchases, fees and interest, less payments and credits, must equal the new balance.
Wrapped merchant lines merged
Card purchases and electronic payments that wrap onto a second or third line come out as one row with one description, not as a transaction plus orphan text.
Every row traceable
Each extracted row links to the highlighted source line on the Chase PDF, so a reviewer can check a figure without leafing through the statement.
Checked before export
A misread digit is caught on its own row
Every conversion is tested against the statement: the running balance on every row, page subtotals, opening plus movement against closing, the printed credit and debit totals, and the transaction count. When a number does not add up, VouchRow names the row and highlights the line it came from on the PDF.
Arithmetic only: it verifies amounts, balances and totals, not descriptions or dates, and two errors that cancel out would pass. The source-line link covers the rest.
How the checks workRunning balance check
- POS AMAZON MKTPLACE−86.4316,604.12
- CHECK #1042−1,250.0015,354.12
- ZELLE FROM J MORALES+640.0015,994.12
Every row agrees with the balance printed beside it.
Native export
What Chase lets you download, and where it stops
Chase offers two different things that are easy to confuse. The first is a transaction download: activity for a date range, which Chase’s own pages list as CSV, QFX, QIF or QBO on the desktop site (in the mobile app, Chase describes a PDF of transactions for the last calendar year rather than a spreadsheet). The second is the statement archive under Statements & documents, which holds the monthly PDFs for up to seven years depending on the account.
The download is the quicker route when it covers what you need. It stops being enough when the period you need sits outside its range, when the account has been closed and you no longer have it online, or when you need the figures exactly as a statement printed them — a bank reconciliation, a loan file, or a schedule that has to tie to the closing balance on a particular date.
Quicken users should also know that Quicken lists Chase among the banks connecting through Express Web Connect+, its bank-hosted sign-in method. That covers ongoing syncing; it does not reach back to years-old history. A QFX made from the statement PDFs is how that older history goes in.
- Transaction download: CSV, QFX, QIF or QBO for a date range shown on screen.
- Statements & documents: PDF statements, up to seven years depending on account type.
- Mobile app: statements open as PDFs; Chase describes the spreadsheet formats as a desktop feature.
Statement layout
How Chase checking statements are laid out
A Chase checking statement opens with a checking summary — beginning balance, deposits and additions, the withdrawal categories, fees and ending balance. Those summary lines look like transactions and sit on the first page next to the transaction detail, so they are recognised as totals and used as the check rather than extracted as rows.
Depending on the account and the statement design, the activity then appears either as one transaction table with a balance column, or split by type — deposits and additions, checks paid, ATM and debit card withdrawals, electronic withdrawals, fees — with each section restarting its own dates. In the split layout the balance appears as a separate table of daily ending balances after the transactions, which is also a date-and-amount table and must not be appended as a second set of transactions.
Checks get their own section, listed by check number with the date paid and the amount; the payee is usually not printed. If check images are included in the PDF, they are pictures, not rows. Dates are printed MM/DD and the year comes from the statement period at the top.
Credit cards
Chase credit card statements: Sapphire, Freedom and Ink
Chase card statements follow a fixed pattern. Chase’s own sample statement shows an Account Summary listing previous balance, payment, other credits, purchases, cash advances, balance transfers, fees charged, interest charged and new balance, followed by the opening and closing dates of the cycle, the credit limit and available credit. None of those lines is a transaction, and all of them are useful as checks.
The cycle rarely matches the calendar month — the sample runs from 12/03/18 to 01/01/19 — and the transaction rows carry only month and day. A naive conversion of that statement dates the early-December purchases in the wrong year. Here the year is assigned from the cycle dates, so December rows stay in December of the earlier year and January rows move to the new one.
Payments and credits are listed apart from purchases, with credits shown as negatives. Chase notes that authorised-user transactions may appear in their own section; if you need to know whose card was used, keep that grouping in the Excel output rather than sorting it away. The rewards summary and account messages at the end are not transactions and are not extracted.
Software
Importing Chase statements into QuickBooks, Quicken and Xero
For QuickBooks Online or Desktop banking, export QBO. A QBO file carries the bank’s Intuit identifier (INTU.BID), and QuickBooks uses it to decide whether it recognises the bank. VouchRow does not guess this number: you enter Chase’s bank ID, which you can read from a QBO file you have downloaded from Chase before, or look up as described in our guide to the INTU.BID. With the right ID the file goes through the bank feed and QuickBooks matches it against what is already there.
For Quicken, export QFX with the bank ID; for Quicken versions that only read QIF, export QIF. For Xero, use the Xero CSV preset, which writes one signed amount column in the date order Xero expects. For QuickBooks Desktop files that need journal-level import, IIF is available on the Professional plan and above.
Every transaction gets a deterministic ID (FITID) built from the statement, so converting the same Chase statement twice and importing both files does not create duplicates. That matters on Chase in particular, where the download and the statement overlap for recent months.
Troubleshooting
Common problems with Chase conversions, and the fix
Most Chase failures come from the statement’s structure rather than the text itself. These are the ones that show up first.
- Rows out of order: the checking statement is grouped by type. The rows are merged and re-sorted by date before export.
- Running balance check fails on every row: the balance only advances within a section, or the daily ending balance table was read as transactions. Both are handled; the daily table is used as the check.
- Card rows in the wrong year: a December–January cycle. The year comes from the closing date, not from today.
- Totals off by one transaction on a card: compare the purchase count with the Account Summary; the reconciliation flags the gap and every row links to its source line.
- QuickBooks rejects the QBO: the bank ID is missing or wrong. Re-export with Chase’s INTU.BID.
- The PDF asks for a password: statements from chase.com normally open directly. If a copy is protected by whoever sent it, upload it as it is and enter the password when asked; it unlocks the file in your browser and is never sent to us.
Side by side
Chase’s own download vs converting the PDF statement
Both are worth using. The question is which covers the period and the proof you need.
| Chase transaction download | Converting the Chase PDF statement | |
|---|---|---|
| How far back | The range offered on screen; Chase describes its spreadsheet downloads as covering the last two years | As far back as the statements you hold — up to seven years from Statements & documents, or older paper copies |
| Formats | CSV, QFX, QIF, QBO on desktop | Excel, CSV presets, QBO, QFX, OFX, QIF, IIF, Tally XML |
| Ties to the printed balances | Not necessarily — the range is whatever dates you picked | Yes — checked against the statement’s opening, closing and section totals |
| Card billing cycles | Date range, not cycle | One statement equals one cycle, with the year fixed across December–January |
| Scanned or mailed statements | Not applicable | Read with OCR, one statement at a time |
| Proof for a reviewer | A file of rows | Every row linked to its highlighted line on the PDF |
Before you import
After converting a Chase checking statement, check these
- The month balancesBeginning Balance plus deposits minus withdrawals equals the Ending Balance on the Checking Summary. If not, the dollar difference is shown.
- The count matches the instancesThe number of rows equals the instances on the Checking Summary, so no section was skipped.
- One date orderDeposits, card withdrawals, electronic withdrawals, checks and fees are merged into a single run of dates, not left in section order.
- No Daily Ending Balance rowsThe daily balance table was used as a check and does not appear among the transactions.
- Checks have their numbersChecks Paid rows keep the check number in the description, since Chase usually does not print the payee.
- Card rows on the right dateDebit card purchases use the posting date in the DATE column. Decide whether you want that or the card date inside the description, and keep it all year.
Downloaded activity and statements are not the same thing
QBO for Chase
Who uses it
Who converts Chase statements, and why
Catch-up bookkeeping on Business Complete Banking
A client arrives with eighteen months of unrecorded Chase business checking. The statements go in as a batch, each is reconciled to its closing balance, and the QBO files go into QuickBooks without overlapping the months already imported.
Tax preparation from Sapphire or Freedom cards
Deductible spending sits on card statements from last year and the year before. Converting the cycles to Excel gives a sortable list for labelling, with each row traceable to the statement if the return is questioned.
Loan and mortgage applications
Lenders ask for two or three months of statements and then for an analysis of deposits. Converting the Chase PDFs gives a spreadsheet of deposits and additions that ties to the statements the lender already has.
Divorce and forensic discovery
Produced Chase statements, often scanned, need to become a ledger the other side cannot dispute. Every row links back to the line on the produced PDF, and the reconciliation shows the set is complete.
FAQ
Chase statements: questions
How do I download a Chase bank statement to Excel?
For recent activity, use Chase’s transaction download on the desktop site and choose the spreadsheet (CSV) format, which Excel opens directly. For anything outside that range, download the PDF statements from Statements & documents and convert them here to Excel; each converted statement is checked against Chase’s printed balances.
Does Chase only let me download 90 days of transactions?
The range depends on the account and the download screen shows what is on offer; Chase describes the spreadsheet and Quicken/QuickBooks downloads in its Spending Planner as covering the last two years. Statements go back further — up to seven years, depending on the account — and converting them covers the difference.
How do I export a Chase credit card statement to Excel?
Download the statement PDF for the cycle you need, convert it, and export Excel. The rows carry the right year even when the cycle crosses New Year, and the conversion is checked against the Account Summary on the statement, since Chase card statements have no running balance.
How do I get a QBO file from Chase?
Chase offers QuickBooks Web Connect (QBO) as a download format for recent activity. For statement periods that download no longer covers, convert the PDF and export QBO here, entering Chase’s bank ID so QuickBooks accepts it through the banking feed.
Why is my Chase conversion out of order?
Because the statement is. Many Chase checking statements group transactions by type and restart the dates in each section. The rows are re-sorted into a single date order here; a converter that keeps page order produces a spreadsheet that will not reconcile.
Do Chase credit card statements have a running balance?
No. They show previous balance, payments and credits, purchases, fees, interest and new balance, with no per-row running total. The reconciliation uses those printed totals instead, which still catches a missing or misread transaction.
How far back can I get Chase statements?
Chase says up to seven years of statements are available online, depending on the account type. For older periods you will need paper or previously saved copies; scanned paper statements can be converted too.
Can I put Chase transactions into Google Sheets?
Yes. Both the CSV and the Excel export open in Google Sheets. Use CSV if you want a plain file to import; use Excel if you want the reconciliation and source references kept alongside the rows.
My Chase statement PDF asks for a password. Can I convert it?
Statements saved from chase.com normally open without a password. Yes. If the copy you have was protected by whoever sent it, upload it and enter the password when asked. It unlocks the file in your browser and is never sent to us or stored.
Keep going
Related guides and converters
Formats for Chase statements
Other banks
Other banks
Sources
The facts about Chase on this page come from these pages, checked in October 2026. Banks change their online banking; if something here no longer matches, the bank’s own help page wins. Tell us and we will update it.
Convert your Chase statements
Upload Chase checking or card PDFs, see every row proved against the statement, and export the format your software reads. Plans start at 300 pages a month.