About Citibank statements
Citibank checking statements list each account's activity in one table with Amount Subtracted and Amount Added columns and a Balance column, starting from an Opening Balance (or, on older statements, a Beginning Balance line above the table). Utilly reads which column each amount sits in, so money out comes out negative and money in positive, joins the merchant and category lines under card purchases, and checks the rows against the account's own opening and closing balance.
Works with Citibank checking and savings statements. Layout tested: Amount Subtracted / Amount Added columns, several accounts on one statement.
Column by column: what we read on a Citibank checking statement, statements with several accounts, and how far back Citi statements go →
Why QuickBooks?
QuickBooks Online can now read a PDF statement with its own AI extraction, but you review it side by side and some files get queued for manual review. QuickBooks Desktop can't read PDFs at all. A .QBO file goes into QuickBooks Online through Upload from file and into supported Desktop versions through Web Connect, and Utilly has already checked it against your statement balances. On Desktop 2023, where Web Connect stopped after May 31, 2026, use the .IIF from the same results page. For QuickBooks Online there's also a CSV in Intuit's 3-column bank upload format, with no Balance column to delete.
Prefer QuickBooks Online's own PDF upload? Here's how to upload a PDF bank statement to QuickBooks Online and check nothing was missed.
On QuickBooks Desktop, especially 2023 after bank feeds stopped, use IIF. If import says File not imported, see IIF import errors and how to fix them, or check the file first with the free IIF file checker.
Uploading a bank CSV to QuickBooks Online? Check it first with the free QuickBooks Online CSV checker.
.QBO import failing with OL-222, OL-221 or "unable to verify the Financial Institution"? See QuickBooks .QBO Web Connect import errors.
Pricing
Preview any statement free. A $9 pack unlocks 5 full statements in every format, with no expiry and no subscription. Bookkeepers with many clients can go unlimited for $19/month. See pricing.
