Veryfi Multi-Account Detection: Manual Splitting Required
Veryfi processes one account per API response and lacks automatic multi-account detection. Bookkeepers handling consolidated statements with checking, savings, and credit cards must manually separate accounts—a time-consuming workflow gap Zera Books solves with intelligent auto-detection.
TL;DR: Veryfi Requires Manual Account Splitting
Veryfi's limitation: The Veryfi Bank Statement API returns one account per response (single account_number, routing_number, transaction list). When clients send consolidated PDFs with multiple accounts, bookkeepers must manually identify account boundaries and separate data—adding 30-45 minutes per statement.
Zera Books solution: Zera AI automatically detects checking, savings, and credit card accounts within a single PDF, outputting organized Excel files with separate tabs for each account. Multi-account detection is built-in—no manual splitting, no copy-paste errors, no workflow friction.
The Consolidated Statement Problem
Small business clients routinely receive consolidated bank statements—single PDFs containing checking account activity, savings account transactions, and credit card charges all in one document. This is standard practice for banks serving business customers who maintain multiple account types.
For bookkeepers, these consolidated statements create a workflow bottleneck. Each account must be imported separately into QuickBooks or Xero with its own account mapping, category rules, and reconciliation workflow. That means manually splitting the PDF data before import.
Single PDF Input
Client sends one consolidated PDF with 3-5 accounts: checking (operating), savings (reserve), credit card (expenses), sometimes line of credit.
Multiple Accounts Required
QuickBooks/Xero requires separate imports: each account needs its own CSV with mapped fields, categories, starting balance verification.
Manual Splitting Overhead
Bookkeeper identifies account boundaries in PDF, copies transactions to separate spreadsheets, verifies balances match—30-45 min per statement.
This manual splitting happens every month for every multi-account client. For a bookkeeper managing 15 clients with consolidated statements, that's 7-10 hours monthly just separating accounts before actual bookkeeping begins.
How Veryfi Handles Multi-Account Statements
Veryfi's Bank Statement API is designed for single-account extraction. The API response structure returns one account per document:
{
"account_number": "****1234",
"routing_number": "123456789",
"account_type": "checking",
"line_items": [
{ "date": "2025-01-15", "description": "ACH Deposit", "amount": 2500.00 },
{ "date": "2025-01-16", "description": "Office Supplies", "amount": -120.50 }
],
"ending_balance": 15234.67
}According to Veryfi's API documentation, the system extracts account_number, routing_number, and a line_items array for a single account. When a consolidated PDF contains multiple accounts (checking, savings, credit card), Veryfi returns data for whichever account the API identifies first—or requires multiple API calls with manual page splitting.
Veryfi offers a Smart PDF Splitter for receipts and invoices, but this functionality is not designed for bank statement account separation. The splitter divides pages, not accounts within pages. For bookkeepers, this means:
Manual Pre-Processing Required
Split consolidated PDF into separate files (one per account) before uploading to Veryfi, or process entire PDF and manually separate accounts in the JSON response afterward.
No Automatic Account Detection
Veryfi does not identify account boundaries within a document. The bookkeeper must determine where checking ends and savings begins, then structure the data accordingly.
Cross-Account Transaction Risk
If the API processes a multi-account PDF without splitting, transactions from all accounts may be merged into one line_items array, requiring manual separation and balance verification.
Additional Developer Work
If integrating Veryfi via API, you must build custom logic to detect account boundaries, split transactions, and organize output files—adding development time and maintenance cost.
Multi-Account Detection Comparison
| Feature | Veryfi | Zera Books |
|---|---|---|
| Automatic Multi-Account Detection | No - Manual splitting required | Yes - Automatic detection |
| API Response Structure | Single account per response (one account_number, one line_items array) | Excel output with separate tabs per account (checking, savings, credit card) |
| Consolidated PDF Handling | Must pre-split PDF or manually separate accounts in post-processing | Upload consolidated PDF once, get organized output automatically |
| Account Boundary Detection | No automatic detection | Zera AI detects account transitions |
| Balance Verification | Manual verification required after splitting accounts | Automatic balance verification per account in output |
| Processing Time (3-account statement) | 30-45 minutes (PDF splitting + verification + organization) | 2-3 minutes (upload, auto-detect, download organized files) |
| QuickBooks/Xero Import Format | Custom formatting required after account separation | Pre-formatted for accounting software, one tab per account |
| Error Risk (Cross-Account Mixing) | High - Manual copy-paste introduces transaction mixing errors | Minimal - AI detection prevents cross-account errors |
How Zera Books Auto-Detects Accounts
Zera AI is trained on 2.8+ million bank statements containing multi-account structures. The model learns to recognize account boundaries by identifying patterns that signal account transitions: header text changes, account number variations, balance resets, and transaction sequence breaks.
Upload Consolidated PDF
Drop the entire multi-account statement into Zera Books. No pre-processing, no manual page splitting, no account identification required.
Zera AI Detects Accounts
The AI identifies checking, savings, credit card accounts automatically. Recognizes account numbers, types, and transaction boundaries within seconds.
Download Organized Files
Get Excel with separate tabs per account. Each tab has the correct transactions, balances, and formatting for QuickBooks/Xero import.
What Zera AI Recognizes
Account type indicators: "Checking Account", "Savings Account", "Credit Card" header text
Account number changes: Switching from ****1234 to ****5678 signals new account
Balance resets: Beginning/ending balance pairs indicate account boundaries
Transaction patterns: Credit card transactions (all negative) vs checking (mixed debits/credits)
Section separators: Visual breaks, horizontal lines, new page starts between accounts
Statement date ranges: Different date ranges for different account types (credit card billing cycle vs checking statement period)
Workflow Impact: Time Saved Per Client
For bookkeepers managing multiple clients with consolidated statements, automatic multi-account detection eliminates hours of manual work every month. Here's the real-world impact:
Without Auto-Detection
Open PDF in viewer (2 min)
Locate account boundaries manually by scrolling through pages
Split PDF or mark pages (5 min)
Use PDF editor to separate checking, savings, credit card sections
Process each account separately (10 min)
Upload 3 PDFs to Veryfi or manually extract data to Excel
Verify balances and organize (15 min)
Check that each account's transactions and balances are correct, no mixing
Format for QuickBooks import (10 min)
Prepare 3 separate CSV files with proper column mapping
Total: 42 minutes per client
With Zera Books Auto-Detection
Upload consolidated PDF (30 sec)
Drop entire statement into Zera Books platform
Zera AI processes automatically (60 sec)
AI detects all accounts, extracts transactions, organizes output
Download organized Excel (15 sec)
Get file with separate tabs per account, ready for import
Quick balance verification (30 sec)
Verify each tab matches statement balances (already correct)
Total: 2.5 minutes per client
39.5 minutes saved per client monthly
Scale Impact: 15 Multi-Account Clients
10.5 hrs
saved monthly
126 hrs
saved annually
$6,300
value at $50/hr billing rate
Beyond Multi-Account Detection: Complete Workflow Platform
AI Transaction Categorization
Zera AI auto-categorizes transactions for QuickBooks/Xero chart of accounts. Saves 30-45 min per client beyond just extraction.
Learn about AI categorizationClient Management Dashboard
Organize conversions by client, track history, access past statements. Multi-client bookkeeping workflow built-in.
View client management featuresBatch Processing
Upload 50+ statements at once during month-end. Process multiple clients simultaneously with queue management.
See batch processing workflowDirect QuickBooks/Xero Integration
Pre-formatted exports with auto-categorization. One-click import to accounting software, no manual column mapping.
99.6% Extraction Accuracy
Zera AI trained on 2.8M+ bank statements. Handles any bank format dynamically—no template training required.
Learn about Zera OCRUnlimited Processing
$79/month flat fee, unlimited conversions. No per-page fees, no volume limits, no tax season cost spikes.
Ashish Josan
Manager, CPA at Manning Elliott
"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."
The Challenge
Manning Elliott serves 20+ small business clients, and half of them have multi-account bank statements—checking and savings combined in one PDF, sometimes with a credit card account too. Every month-end, Ashish was manually splitting these accounts. Open the PDF, identify where Account 1 ends and Account 2 begins, copy-paste transactions into separate spreadsheets, double-check for missing transactions. For a statement with 3 accounts and 100+ transactions, this took 30-45 minutes per client. Multiply that by 10-15 clients monthly and he was losing entire days to account splitting alone.
The Solution
Zera Books changed everything. Now Ashish uploads the multi-account statement and Zera AI detects all accounts automatically. He gets Excel with separate tabs—one for checking, one for savings, one for credit card. Each tab has the right transactions, the right balances, everything organized. He reviews it quickly to make sure it looks right, then imports to QuickBooks. What used to take 30-45 minutes now takes 2-3 minutes.
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
Stop Manually Splitting Multi-Account Statements
Zera Books automatically detects and separates checking, savings, and credit card accounts in consolidated PDFs. Upload once, get organized Excel files with separate tabs per account. Try it risk-free for one week.