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Alternatives Comparison

AutoEntry Alternative: Multi-Account Statement Detection

AutoEntry treats each account in a multi-account statement as a separate document—multiplying credit costs by 3x per page per account. Banks often combine checking, savings, and credit cards into one PDF. Zera Books automatically detects and separates all accounts for one flat $79/month with unlimited processing.

January 28, 2025
8 min read

The Multi-Account Statement Problem

Most banks consolidate multiple accounts into a single monthly PDF statement. A typical client might receive one 20-page document containing:

  • Checking account transactions (pages 1-8)
  • Savings account summary (pages 9-11)
  • Business credit card transactions (pages 12-20)

For accountants and bookkeepers, this creates a processing challenge. AutoEntry's credit-based system charges 3 credits per page per account—meaning each account type costs separately. A 20-page statement with 3 accounts could consume credits for all three accounts.

Zera Books uses Zera AI to automatically detect account boundaries, separate each account into individual files, and maintain proper metadata—all for one unlimited price.

AutoEntry's Multi-Account Challenge

  • Each account costs 3 credits per page separately
  • Manual account selection required
  • Must split PDFs manually before upload
  • Credits multiply by number of accounts
  • Risk of mixing account types in import

Zera Books Solution

  • Automatic account detection with Zera AI
  • Upload one PDF, get separate Excel files per account
  • No manual splitting required
  • One flat price regardless of account count
  • Account metadata preserved automatically

How AutoEntry Handles Multi-Account Statements

The AutoEntry Workflow

1

Manual PDF Splitting

You must manually split the combined statement PDF into separate files for each account type (checking, savings, credit card) before uploading to AutoEntry.

2

Upload Each Account Separately

Upload each split PDF file one at a time, selecting the correct account type for each document in AutoEntry's interface.

3

Credits Multiply by Accounts

Each account costs 3 credits per page. A 20-page statement with 3 accounts could consume credits for all sections—Bronze plan's 50 credits depleted quickly.

4

Manual Reconciliation

Track which Excel files correspond to which accounts, then import each file into the correct QuickBooks or Xero account manually.

Time Impact: Manual Multi-Account Processing

15-20 min

Per multi-account statement to manually split and upload

3x credits

Cost multiplier for 3-account statements

High risk

Of importing to wrong account

How Zera Books Handles Multi-Account Statements

The Zera Books Automated Workflow

1

Upload Complete Statement

Upload the original multi-account PDF exactly as received from the bank—no manual splitting required.

2

Zera AI Detects Accounts

Zera AI automatically identifies checking, savings, credit card, and loan accounts within the PDF—trained on millions of multi-account statement formats.

3

Automatic Separation

Each account is automatically extracted into a separate Excel file with proper account numbers, types, and transaction data preserved.

4

One-Click Import

Import each account file into QuickBooks or Xero with AI categorization already applied—ready for reconciliation.

Smart Account Detection

Zera AI recognizes account type boundaries by analyzing statement headers, transaction patterns, and account numbers—no templates needed.

Metadata Preservation

Each separated account file maintains account number, type, opening/closing balance, and statement period—critical for accurate reconciliation.

One Flat Price

Process statements with 1 account or 10 accounts—same $79/month. No credit multiplication, no per-account fees.

Multi-Account Cost Comparison

Real-World Scenario Analysis

Typical small business receives one 20-page monthly statement containing 3 accounts (checking, savings, business credit card):

AutoEntry Cost

Checking (8 pages × 3 credits):24 credits
Savings (3 pages × 3 credits):9 credits
Credit card (9 pages × 3 credits):27 credits
Total per statement:60 credits

Bronze plan (50 credits) can't even cover one multi-account statement!

Zera Books Cost

Checking account:Included
Savings account:Included
Credit card account:Included
Total per statement:$0 extra

Process unlimited multi-account statements for $79/month flat rate.

10 Clients/Month

Each with 3-account statements (20 pages avg)

AutoEntry:600 credits
Plan needed:Diamond (£275)
Zera Books:$79

30 Clients/Month

Each with 3-account statements (20 pages avg)

AutoEntry:1800 credits
Plan needed:Custom pricing
Zera Books:$79

50 Clients/Month

Each with 3-account statements (20 pages avg)

AutoEntry:3000 credits
Plan needed:Enterprise
Zera Books:$79
Ashish Josan
"My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week that I used to spend on manual entry."

Ashish Josan

Manager, CPA

10 hours/week

Time saved processing statements

All banks

Any format, any account type

Stop Splitting PDFs Manually. Start Processing Smarter.

Upload multi-account statements once. Get separate Excel files per account automatically. No manual splitting, no credit multiplication—just $79/month unlimited.