Stop manually splittingmulti-account statements.99.6% accurate.
Most banks combine checking, savings, and credit card accounts in one statement. Zera AI automatically detects each account, extracts transactions separately, and organizes everything into Excel with one tab per account — or separate CSVs in a ZIP file.
Have questions about multi-account processing? Book a free 30-minute call with the founder.
Trusted by CPAs and accountants at leading firms
The Problem
Manual account splitting wastes hours every month
Accountants and bookkeepers face the same nightmare every month: bank statements with multiple accounts mixed together. You can't just import them — you have to manually separate everything first.
Manual Splitting Hell
Statements with checking + savings + credit card transactions all in one PDF. You manually copy-paste each account into separate spreadsheets, making sure not to miss or duplicate anything. One mistake throws off reconciliation.
Inconsistent Formats
Every bank formats multi-account statements differently. Chase, Wells Fargo, TD Bank — each has its own layout. You can't build templates because the structure changes account-to-account.
Time-Consuming Process
A single statement with 3 accounts can take 30+ minutes to split manually. Multiply that by dozens of clients and you're losing entire days to data entry that should be automated.
Accountants waste 8-12 hours monthly on manual account splitting across their client base
The Solution
AI detects accounts automatically. Zero manual work.
Zera AI uses computer vision trained on 3.2 million bank statements to identify account boundaries, extract transactions separately, and organize everything for you.
Upload Your Statement
Upload any multi-account PDF. Checking, savings, credit cards, money market — if it's in the statement, Zera AI finds it.
AI Detects Accounts
Our proprietary model analyzes visual structure, account headers, and transaction patterns. It detects separate accounts even when they share the same page.
Download Organized Files
Get Excel with one tab per account, or a ZIP with separate CSVs. Each account includes its own summary: opening balance, closing balance, total credits/debits.
5-Stage Processing Pipeline
Every multi-account statement goes through our proprietary extraction process:
Stage 1: Metadata extraction (detects account count)
Stage 2: Boundary detection (identifies where accounts split)
Stage 3: Chunked extraction (processes each account separately)
Stage 4: Transaction normalization (converts to signed amounts)
Stage 5: Balance verification (reconciles opening + credits - debits = closing)
Customer Story
How Ashish Josan processes multi-account statements for 20+ clients
“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
Manning Elliott
15 hrs/week saved
20+ clients
Zero errors
Key Results:
Processes multi-account statements for 20+ small business clients
Saved 15 hours weekly on account splitting across entire client base
Zero copy-paste errors between accounts (used to happen frequently)
Excel tabs match QuickBooks import format perfectly
Can handle rush clients same-day instead of waiting for manual splitting
Features
Every multi-account feature you need
Built-in capabilities that handle the complexity of multi-account statements automatically.
Account 1: Business Checking
DetectedAccount #: ****1234
Pages: 1-3
Transactions: 47
Account 2: Savings
DetectedAccount #: ****5678
Pages: 4-5
Transactions: 12
Account 3: Credit Card
DetectedAccount #: ****9012
Pages: 6-8
Transactions: 33
How We Compare
Why Zera Books is #1 for multi-account statements
Purpose-built for accountants who need accurate, automatic account splitting.
| Feature | Zera Books | DocuClipper | FormX.ai | Nanonets |
|---|---|---|---|---|
| Automatic account detection | AI-powered detection | Manual splitting only | Single account only | Requires templates |
| Excel with tabbed sheets | One tab per account | Single sheet export | CSV only | JSON output |
| Works with any bank format | Universal compatibility | Limited banks | Template required | Custom training needed |
| Balance verification per account | Automatic reconciliation | No verification | No verification | No verification |
| Per-account metadata extraction | Opening/closing balances | Limited metadata | Transactions only | Requires configuration |
| Pricing for accountants | $79/mo unlimited | $99/mo with limits | Free tier available | $499/mo minimum |
Related Topics
Explore everything related to multi-account processing
Features
Zera AI
AI-powered multi-account detection
Bank Statement Converter
Auto-detect multiple accounts in statements
AI Categorization
Categorize across all accounts
Smart Transaction Matching
Match transactions across accounts
Zera OCR
Extract multiple accounts from scanned docs
Client Management
Manage clients with multiple accounts
Supported Banks
View All 39 Banks →
Helpful Guides
Multi-Account Processing Guide
Process multiple accounts at once
Multi-Account Reconciliation
Reconcile multiple accounts efficiently
Batch Processing Guide
Process 50+ statements with multiple accounts
Account Separation Guide
Auto-separate checking, savings, credit cards
Multi-Entity Processing
Process multiple business entities
View All Guides
Stop manually splitting accounts. Let AI do it.
Join accountants processing multi-account statements in seconds, not hours.
Used by CPAs at Deloitte, KPMG, Grant Thornton, and 1,200+ accounting firms