Hubdoc vs Zera Books: Multi-Account Detection
Many banks combine checking, savings, and credit card accounts into a single PDF statement. Hubdoc requires manual splitting of these multi-account documents. Zera Books automatically detects and separates each account type with Zera AI trained on millions of multi-account statement formats.
The Multi-Account Statement Problem
What Banks Actually Send
Most banks consolidate all accounts into a single monthly statement PDF. A typical client statement includes:
Business Checking Account
50-200+ transactions per month
Business Savings Account
Interest, transfers, deposits
Business Credit Card
Purchases, payments, fees
The Challenge: Each account needs to be imported separately into QuickBooks/Xero for proper reconciliation
Manual Splitting Costs Time
Without automatic detection, accountants must manually identify and separate each account:
Identify Account Boundaries
Scroll through PDF to find where each account starts/ends
Copy-Paste Transactions
Manually extract each account's transactions into separate files
Verify Completeness
Double-check nothing was missed or duplicated
Time Impact: 30-45 minutes per multi-account statement, multiplied by every client
Why This Matters
If half your clients have multi-account statements, and you manage 20+ clients, you're spending 10-15 hours monthly just splitting accounts. That's time taken away from advisory work, analysis, and growing your practice.
How Each Platform Handles Multi-Account Statements
Hubdoc Workflow
Upload Statement PDF
Upload the combined multi-account statement to Hubdoc
Manual Account Identification
You must manually identify where checking ends and savings begins
Split PDF Manually
Use external PDF tool or copy-paste to separate accounts
Process Each Account Separately
Upload each split file individually for extraction
Verify No Missing Transactions
Double-check that accounts were split correctly with nothing missed
Time Required: 30-45 minutes per multi-account statement
Zera Books Workflow
Upload Statement PDF
Upload the combined multi-account statement to Zera Books
Zera AI Auto-Detects Accounts
AI automatically identifies checking, savings, and credit card accounts
Download Organized Excel
Get Excel file with separate tabs for each account, ready for import
Time Required: 2-3 minutes per multi-account statement
Time Savings
For 10 multi-account clients: Save 5+ hours monthly. For 20+ clients: Save 10-15 hours monthly.
Multi-Account Detection: Technical Comparison
| Capability | Hubdoc | Zera Books |
|---|---|---|
| Auto-Detect Multiple Accounts | Not available | Zera AI trained on multi-account formats |
| Separate Checking Accounts | Manual splitting required | Automatic separation |
| Separate Savings Accounts | Manual splitting required | Automatic separation |
| Separate Credit Card Accounts | Manual splitting required | Automatic separation |
| Account Metadata Extraction | Manual entry required | Account number, type, institution extracted |
| Output Format | Separate files (manually created) | Single Excel with tabs per account |
| Processing Time (3-account PDF) | 30-45 minutes | 2-3 minutes |
How Zera AI Handles Multi-Account Detection
Trained on Multi-Account Formats
Zera AI has processed millions of bank statements including combined account formats from every major bank. It recognizes account boundary patterns automatically.
Account Type Recognition
The AI identifies account types based on transaction patterns, headers, and statement structure. Checking, savings, and credit card accounts each have distinct characteristics.
Organized Excel Output
Each detected account becomes a separate Excel tab with the right transactions, balances, and metadata. Ready for direct import into QuickBooks or Xero.
No Template Training Required
Unlike template-based tools that need to be trained for each bank's multi-account format, Zera AI dynamically adapts to any statement structure. When banks change their layouts, Zera AI adjusts automatically.
This means you never have to worry about whether a new client's bank is "supported." If it's a bank statement with multiple accounts, Zera AI will detect and separate them.
Real Accountant Results
"Half my clients have business statements with checking and savings in one PDF. Before Zera Books, I was manually splitting each account into separate spreadsheets every month—easily 2-3 hours per client. Now I just upload the statement and download organized files. Zera AI detects all accounts automatically, and I get Excel with separate tabs for each one. It's saved me probably 15 hours a week."
Ashish Josan
Manager, CPA at Manning Elliott
Ashish's Multi-Account Workflow Impact:
Calculate Your Time Savings
Small Bookkeeping Practice
5+ hrs/month
saved with 10 multi-account clients
30-45 min per statement x 10 clients = 5-7.5 hours of manual splitting
Growing CPA Firm
15+ hrs/month
saved with 25 multi-account clients
30-45 min per statement x 25 clients = 12-18 hours of manual splitting
Large Accounting Firm
30+ hrs/month
saved with 50+ multi-account clients
30-45 min per statement x 50 clients = 25-37 hours of manual splitting
ROI Calculation
If you bill $100/hour and save 15 hours monthly on account splitting, that's $1,500/month in recovered billable time. Zera Books costs $79/month.
Net ROI: $1,421/month (or $17,052/year) just from multi-account automation
When to Choose Each Platform
Hubdoc May Work If
Best For: Expense management workflows, not bank reconciliation
Choose Zera Books If
Best For: Bank reconciliation workflows, client bookkeeping at scale
Stop Manually Splitting Multi-Account Statements
Try Zera Books for one week. Upload a multi-account statement and watch Zera AI automatically detect and separate checking, savings, and credit card accounts into organized Excel tabs.
Try for one week$79/month after trial. Unlimited conversions, cancel anytime.