General Ledger + Converter in one subscription.
See pricingBY BANK · NAVY FEDERAL
In Navy Federal online banking, select Statements, pick Checking & Savings, Credit Cards & Loans or Certificates & IRAs, and save the PDF (up to 36 months are kept). Upload it to the ZeraBooks bank statement converter: each account in the PDF is split out and checked against the balances printed for it before you download Excel or CSV.
7-day trial · card required, nothing charged for 7 days · 1,000 pages a month from $79/month billed annually
STEP 1 · DOWNLOAD
These are the steps in Navy Federal’s digital banking tutorial, checked October 2026. Our help article Download your Navy Federal statements has the same path.
A computer is easiest for saving several months in a row.
In the app, tap More in the bottom menu, then Account & Tax Statements.
Choose Checking & Savings, Credit Cards & Loans, or Certificates & IRAs.
Save the statement as a PDF. Navy Federal keeps up to 36 months online.
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 a fictional member: its September checking and savings statement with 12 transactions, file NavyFederal_Statement_6620_Sep2026.pdf. Convert read every line and proved each of the two accounts in the one PDF adds up to its printed ending balance (checking: $1,482.30 to $4,702.00), before offering the download.
The PDF as uploaded
The same statement in ZeraBooks
WHICH STATEMENT
Navy Federal sorts statements into three groups in the Account Statements drop down. Each group is its own download:
| Statement group | What it covers | Converting it |
|---|---|---|
| Checking & Savings | Navy Federal calls this the combined checking and savings statement | One PDF can hold several accounts; each is split out and proven on its own |
| Credit Cards & Loans | Card and loan statements | Card statements are proven as previous balance plus charges minus payments equals the new balance |
| Certificates & IRAs | Certificate and IRA statements | Download separately if you track these balances |
You can choose which accounts go paperless, account by account, under Statements, then Paperless Delivery Preferences. Business accounts use a separate business sign-in, so business statements won’t appear under your personal login.
THE 36-MONTH WINDOW
A lender or tax preparer asking for three years is asking for the whole window. Save each month as it arrives so nothing ages out.
Checked October 23, 2026 on the bank's own pages: Digital banking tutorials · Paperless statements · E-sign disclosure (PDF) · Business services.
WORKED EXAMPLE
This is a fictional member’s September 2026 combined checking and savings statement, holding two accounts. With Split set to One file, every row gets an Account column so the two never mix:
| Date | Account | Description | Amount |
|---|---|---|---|
| 09/01/2026 | Checking | Payroll deposit | 3,120.00 |
| 09/03/2026 | Checking | Rent payment | -1,450.00 |
| 09/14/2026 | Checking | Debit card purchases, grocery | -212.67 |
| 09/15/2026 | Checking | Transfer to savings | -300.00 |
| 09/15/2026 | Savings | Transfer from checking | 300.00 |
| 09/30/2026 | Savings | Dividend | 5.14 |
| Checking closing / Savings closing | 4,002.45 / 6,505.14 |
Each account is proven against its own balances. Checking: 2,845.12 + 3,120.00 − 1,450.00 − 212.67 − 300.00 = 4,002.45. Savings: 6,200.00 + 300.00 + 5.14 = 6,505.14. The 300.00 transfer appears once in each account, out of one and into the other, so in your books it is a transfer, not income.
WITH ZERABOOKS
SEVERAL ACCOUNTS, ONE PDF
When a statement holds more than one account, Convert splits the transactions by account and checks each against its own printed balances. The statement tile shows “+1” for the extra account, and you can download one file, or one per account. Statements from more than one bank can go in the same download, as covered in combine bank statements.
Bank and credit card statements
READY-MADE FORMATS
Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details. For a Navy Federal card, see how card files work in credit card statement to Excel.
Choose a download format
BEFORE YOU CONVERT
Convert reads PDF files only. An activity export usually has no opening or closing balance, so it can’t be proven.
Each account gets its own line. Proven ✓ means every account ties to the cent; if one is off, the line shows the difference.
Business statements come from the business sign-in. Upload them as separate files so the rows never mix.
ZeraBooks has no bank feeds and never asks for your Navy Federal sign-in.
MORE BANKS
Navy Federal gives you the statement as a PDF to view, print or save. To get its transactions into Excel or CSV with the balances checked, convert the PDF.
Up to 36 months. For older ones, Navy Federal takes requests for copies, which carry a fee. How to get a bank statement covers requesting older copies at other banks.
Navy Federal business accounts have their own sign-in credentials. Sign in with the business login to see them.
Yes. Each account is split out and proven against its own balances. Download them in one file with an Account column, or one file per account.
Yes. Convert reads statement PDFs from any bank. See Chase statements to Excel or Synchrony statements to Excel for examples.
Convert comes with the ZeraBooks subscription: 1,000 pages a month for $79 a month billed annually or $149 monthly, after a 7-day trial. See ZeraBooks pricing.
FREE SETUP + CATCH-UP
Upload them, check each account’s proof line, download Excel or CSV. 1,000 pages a month from $79 a month billed annually. For a business account, the same subscription includes AI bookkeeping built on those statements.