General Ledger + Converter in one subscription.
See pricingBY BANK · CITI
To convert a Citi bank statement to Excel, download the statement PDF from Citi online banking, upload it to the ZeraBooks bank statement converter and download Excel or CSV. A Citi statement often combines checking, savings and CDs in one PDF; ZeraBooks splits it by account and proves each one against its own opening and closing balance.
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STEP 1 · DOWNLOAD
Citi runs more than one online banking site for businesses, so sign in where you normally bank. The full walk-through is in Download your Citi statements.
Use the Citi site you already bank on. Citizens Bank is a different bank with its own site.
Statements are usually listed on the account’s own page.
Sometimes it sits under a documents menu. How far back it goes depends on the account and the site.
Not the activity CSV: it usually has no opening or closing balance, so nothing can be proven.
Try it on your own documents. One-week free trial, both apps included.
HOW CITI LAYS IT OUT
The Citi statements we have read put every product in a relationship on one statement. Each account gets its own activity table, and each table prints its own opening and closing balance as dated lines inside it.
| Part of the statement | What it holds | In the converted file |
|---|---|---|
| Relationship summary | Every product combined onto the statement, with its balance | Not rows; used to find the accounts |
| Opening Balance line | A dated line at the top of each account’s table, with the balance only | Not a row; it is the opening balance the proof starts from |
| Date | MM/DD/YY, with the year | MM/DD/YYYY |
| Description | Payee or transfer text, often with a time and “Reference #” | Description, joined onto one line |
| Amount Subtracted | Money out, printed positive | Negative Amount, or Money Out |
| Amount Added | Money in | Positive Amount, or Money In |
| Balance | The balance after the line | Balance, in Money in and out and All details |
| Closing Balance line and Total Subtracted/Added | The account’s end balance and its two column totals | Not rows; the closing balance is what the account must reach |
| Credit cards block | A summary as of the last card statement | Not rows: card transactions come on the card’s own statement |
Citi says it on the statement: opening and closing dates are shown with the opening and closing balance for each product, in that product’s activity section. ZeraBooks Convert reads each one separately, so a CD or a savings account is proven against its own figures, not the checking account’s.
WORKED EXAMPLE
Harbor Lane Studio is a fictional business with Citi checking ending 6630 and savings ending 6648 on one June 2026 statement. One transfer moved $1,000 from checking to savings, so it appears on both accounts. Downloaded in the Standard format with One file, an Account column is added:
| Date | Description | Amount | Account |
|---|---|---|---|
| 06/02/2026 | Mobile Deposit | 2,300.00 | Checking 6630 |
| 06/05/2026 | ACH Debit Gusto Payroll | -3,118.44 | Checking 6630 |
| 06/11/2026 | Transfer To Savings 6648 Reference # 204118 | -1,000.00 | Checking 6630 |
| 06/18/2026 | Zelle From Northpoint Design | 1,650.00 | Checking 6630 |
| 06/30/2026 | Monthly Service Fee | -15.00 | Checking 6630 |
| 06/11/2026 | Transfer From Checking 6630 Reference # 204118 | 1,000.00 | Savings 6648 |
| 06/30/2026 | Interest Paid | 4.12 | Savings 6648 |
| Checking: opening 7,412.90 + rows | 7,229.46 | ||
| Savings: opening 12,000.00 + rows | 13,004.12 |
Each account ties on its own: 7,412.90 + 2,300.00 − 3,118.44 − 1,000.00 + 1,650.00 − 15.00 = 7,229.46, and 12,000.00 + 1,000.00 + 4.12 = 13,004.12, the two closing balances Citi printed. Both transfer lines are real, one per account. If you add the two accounts together for a cash total, remove the pair first or the business looks $1,000 richer in deposits than it is. For one tab per account instead, choose One per account; combine bank statements shows months chained together.
WHAT GOES WRONG
Most of it comes from the combined layout.
Opening Balance and Closing Balance sit inside the table with a date, so a copied table has two extra rows per account. Sum the Balance column by mistake and the totals mean nothing.
A relationship statement goes checking, then savings, then CDs, with “Continued” headers between pages. Pasted as one block, nothing says which row belongs to which account.
Amount Subtracted and Amount Added are both printed positive. Excel needs one signed column to total, or a formula per row.
A move from checking to savings is a withdrawal on one and a deposit on the other. Fine per account; wrong if you total deposits across the whole statement.
CARDS AND CSVS
CITI CARDS
The card block on a banking statement is a summary as of the last card statement, and Citi says you keep getting the card statement itself. Download that one. A Citi card statement is proven as previous balance plus charges minus payments equals the new balance, and store cards issued by Citi, such as the Costco card, are on Citi’s site. See credit card statement to Excel.
ACTIVITY CSV
Citi may let you download activity from the account page. It usually carries no opening or closing balance, so nothing can be checked. The statement PDF has both, and that is what the proof needs.
MORE BANKS
Yes. ZeraBooks Convert splits a combined Citi statement by account, shows “+n” on the tile for the extra accounts, and proves each account against its own opening and closing balance. Download one file with an Account column, or one tab per account.
The Citi statements we have read print dates as MM/DD/YY. Every ZeraBooks download writes MM/DD/YYYY, so Excel reads the date the same way on every computer.
No. Citizens Bank is a separate bank. Download its statements from its own online banking; ZeraBooks converts those too.
No. ZeraBooks has no bank feeds and never asks for your Citi sign-in. You download the PDF and upload it.
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. The combined Citi statement we tested ran to 14 pages for nine accounts. See ZeraBooks pricing.
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Last updated November 5, 2026 · Written by Damin Mutti, founder of ZeraBooks