General Ledger + Converter in one subscription.
See pricingBY BANK · CANADA
Download the PDF statement from your bank’s online banking (RBC, TD, CIBC and Scotiabank all keep up to 7 years), upload it to the ZeraBooks bank statement converter, and download Excel or CSV. Every statement is checked against its printed opening and closing balances before you use the file.
7-day trial · card required, nothing charged for 7 days · 1,000 pages a month from $79/month billed annually (USD)
BANK BY BANK
These are the menu names each bank uses in its own help pages, checked October 2026. Most banks only show statements for accounts that are set up for eStatements.
| Bank | Where to click | How far back |
|---|---|---|
| RBC Royal Bank | Online Banking: Statements/Documents at the top right of Accounts Summary. App: More, then Statements | Up to 7 years |
| TD Canada Trust | EasyWeb: the name on the account at the top, then Statements and Documents, then pick the account and year | Up to 7 years |
| BMO | Online Banking, View eStatements (personal). Online Banking for Business: Account Information, then eStatements, then Account Statements | Seven years |
| Scotiabank | Pick the account, then Documents (app and web) | Up to 7 years of statements |
| CIBC | My Documents, then Account statements under Account Documents. App: More, then My documents | 7 years |
| Desjardins | AccèsD: your everyday account under Accounts, then Statements, then the month | 7 years |
| National Bank | Select the account, then Documents and statements, choose the type and period, then Search | Not published |
Closed accounts are kept for less time. TD, for example, says statements for closed personal and business deposit accounts stay visible for 18 months, so download them before you close an account.
We set you up and catch up your past months for free. Then ZeraBooks keeps your books done.
FROM PDF TO ROWS
Here is a real run in ZeraBooks Convert. The statement belongs to Lakeshore Physio Clinic, a fictional clinic: its September TD Every Day Business Plan chequing statement with 12 transactions, file TD_Business_Chequing_3307_Sep2026.pdf. Convert read every line and proved $22,840.15 − $2,620.77 = $20,219.38, the closing balance printed on the statement, before offering the download.
The PDF as uploaded
The same statement in ZeraBooks
WHAT EACH BANK ADDS
A few details from the banks’ own pages that change how you collect a year of statements:
The most recent six statements load first. Use the dropdown for earlier periods, or use Online Banking on a computer for a long run of months.
Select a statement and it opens in an overlay as a PDF, ready to save. Filter by year to move through older months.
BMO offers a consolidated statement for personal accounts (business accounts can’t be added). A PDF holding several accounts still converts: each account is split out and checked on its own.
Scotiabank shows 24 months of transaction history, but archives statements for up to 7 years. For older months, go to Documents, not the activity list.
eStatements are turned on for each account separately. If one account is missing in My Documents, check that it is set to eStatements.
The new statement appears on AccèsD on the first day of each month. You must register for online documents before statements show up.
Choose the document type and time period, then Search, and download from the results.
WORKED EXAMPLE
Northshore Sign Co. is a fictional Ontario business. Its September 2026 chequing statement opens at $5,412.80. Converted to the Standard format, money out is a minus:
| Date | Description | Amount |
|---|---|---|
| 09/03/2026 | Deposit, Harbourview Dental (client payment) | 2,350.00 |
| 09/05/2026 | Rent, Lakeshore Properties | -1,800.00 |
| 09/10/2026 | Business insurance premium | -142.35 |
| 09/16/2026 | Interac e-Transfer received | 615.00 |
| 09/30/2026 | Monthly account fee | -16.95 |
| 09/30/2026 | GST/HST remittance, CRA | -903.40 |
| Opening 5,412.80 + rows | 5,515.10 |
The proof: money in 2,350.00 + 615.00 = 2,965.00, money out 1,800.00 + 142.35 + 16.95 + 903.40 = 2,862.70, and 5,412.80 + 2,965.00 − 2,862.70 = 5,515.10, the closing balance printed on the statement. 09/03/2026 is September 3, not 9 March: Convert writes every date U.S. style.
BEFORE YOU CONVERT
Every Convert format writes U.S. dates. If your spreadsheet is set to day-first dates, tell it the column is month-first, or the 1st to the 12th of each month will swap.
Amounts come out as plain numbers. Keep CAD and USD accounts in separate files, or use the Account column when you download several statements together.
Convert reads PDFs only. The activity lists in online banking usually cover fewer months than the statement archive and don’t carry the printed balances the proof needs.
Consolidated statements are split by account, and each account is checked against its own balances.
ZeraBooks never asks for your RBC, TD or other bank password. You download the PDF and upload it.
WITH ZERABOOKS
The same steps work for every bank on this page. Files can be up to 50 MB and 500 pages each.
Save each month’s PDF from your bank, using the menu in the table above.
Click Upload statements or drop the PDFs on the page. Several files can go up at once.
Each account shows opening balance plus transactions against the printed closing balance. Proven ✓ means it ties to the cent.
Pick Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details. Tick several statements to get a year in one file.
WHY ZERABOOKS
PROVEN TO THE CENT
Convert adds every line it read to the opening balance and compares the result with the closing balance on the statement. If a line is missed, the difference shows the amount to look for, so you never hand an accountant a file that quietly drops a cheque. More on the method in convert a bank statement to Excel.
How Convert proves a statement
A YEAR IN ONE FILE
Tick each statement and download them together, with an Account column on every row or a tab per account. Merging PDFs from several banks works the same way, as covered in combine bank statements.
Choose a download format
MORE BANKS
Convert reads statement PDFs from any bank, including RBC, TD, BMO, Scotiabank, CIBC, Desjardins and National Bank. Check the proof line on the first statement you upload from each bank. U.S. accounts work too, for example Chase statements to Excel. Download steps for two of them are on the RBC statement converter and Desjardins statement converter pages.
Descriptions come out as printed, so a French description stays in French. The proof is arithmetic on the printed balances, so check that it reads Proven ✓ on your first statement.
Convert writes MM/DD/YYYY. If Excel is set to Canadian day-first dates, change the column’s date format or import it as month-first.
No. Convert has no bank feeds and never asks for your bank sign-in. Download each PDF statement and upload it.
Yes. ZeraBooks runs a done-for-you bookkeeping service for businesses anywhere in Canada and the U.S., run remotely. See bookkeeping services in Canada.
Convert comes with the ZeraBooks subscription: 1,000 pages a month for $79 a month billed annually or $149 monthly, in U.S. dollars, after a 7-day trial. See ZeraBooks pricing.
FREE SETUP + CATCH-UP
Upload them, check each proof line, download Excel or CSV. 1,000 pages a month from $79 a month billed annually. Need the books done too? The same subscription includes AI bookkeeping that categorizes every line and closes each month against the statement.