Free sample bank statement PDF (fictional, with known totals)

Need a bank statement PDF to test a converter, an accounting import or a parser, or just to see how one is laid out? This one is free to download with no sign-up. It's a fictional two-page business checking statement with an account summary, 31 transactions and a running balance, and its numbers tie out to the cent, so you know exactly what a correct import looks like. The same statement is also here as Excel, CSV, QuickBooks, Xero, Quicken and OFX files.

1. What's on the sample statement

Two US Letter pages, as a text PDF (the words can be selected and copied, like a statement downloaded from online banking, not a scan). SAMPLE STATEMENT · FICTIONAL DATA FOR DEMONSTRATION ONLY runs across the top of each page, and the footer says it isn't a real bank, account or person. Under the header, the made-up customer (Sample Customer LLC) and the masked account number (XXXXXX0427) is the account summary:

The summary is a sum you can check: 12,418.36 + 29,597.43 − 28,575.27 = 13,440.52. Every real bank statement works the same way, which is why the ending balance is the best check that a conversion didn't miss or flip a row. The last line of page 2 repeats the column totals: Total withdrawals 28,575.27 Total deposits 29,597.43.

2. All 31 transactions

The transaction detail, exactly as printed across both pages. Withdrawals and deposits are in separate columns with no minus signs, and the balance after each row is in the last column. The statement shows one date per row.

Payee names (Gusto, Stripe, ADP, Austin Energy and others) are there so the descriptions look like a real business checking feed, with the ACH DEBIT, POS PURCHASE, ZELLE FROM and WIRE TRANSFER IN prefixes banks use. The amounts, dates, account and customer are made up; none of these businesses is involved.

3. How to read a bank statement, using the sample

• Start with the summary, not the rows. Beginning balance, plus deposits, minus withdrawals, gives the ending balance. If the summary adds up and the column totals match it, the statement is complete.
• Two columns, no signs. Money out is in Withdrawals and money in is in Deposits, both as plain numbers. Spreadsheets and accounting imports want one signed Amount column instead (money out negative), which is the first thing a converter has to get right.
• The running balance checks every row. Each row's balance is the previous balance plus that row: 12,418.36 − 6,420.18 = 5,998.18 on the first line. Where the balance jumps by the wrong amount, a row is missing or misread.
• Description prefixes tell you the type. ACH DEBIT is an electronic payment pulled by a payee (payroll, taxes, bills), POS PURCHASE a debit card purchase, CHECK 2041 a paper check by number, MOBILE DEPOSIT a check deposited in the app, and ZELLE FROM or WIRE TRANSFER IN money received.
• Not every withdrawal is an expense. The 2,500.00 ONLINE TRANSFER TO SAVINGS moves money between the business's own accounts, and the 3,214.56 AMEX EPAYMENT pays a credit card whose purchases are recorded on the card account. In the books they're transfers, not costs.
• Fees and interest come last. The 15.00 monthly service fee and 3.21 interest payment are both dated on the closing day, September 30.
• Dates have no year. Rows say 09/01, not 09/01/2026; the year comes from the statement period at the top. A statement that runs from December into January needs that year rule, and it's a common converter bug.

4. What a real bank statement adds

The sample is kept short so the structure is easy to see. For a consumer checking account in the US, Regulation E (12 CFR 1005.9(b)) requires a periodic statement for each month with an electronic transfer, at least quarterly otherwise, showing (checked Oct 31, 2026):

• for each electronic transfer, the amount, the date it posted, the type of transfer and account, the terminal location for ATM and card transactions, and the name of the third party paid or paying;
• the account number, and fees charged for transfers or account maintenance;
• the balance at the beginning and the close of the period;
• an address and telephone number for inquiries or errors, after "Direct inquiries to" or similar.

When a bank sends a statement for an account that earns interest, Regulation DD (12 CFR 1030.6) adds the annual percentage yield earned, the interest earned in dollars, fees itemized by type, the length of the statement period and, where it applies, the total overdraft and returned-item fees. Both rules are for consumer accounts; a business checking statement like this sample's isn't held to them, though most banks print much the same. Real statements also tend to add a daily balance summary, check images, an overdraft and fee summary, an error-resolution notice and marketing inserts, and run to several pages.

5. The same statement as import files

These are what Utilly's converter writes from the PDF: the same 31 transactions in each file. In every import file, withdrawals are negative and deposits are positive, one signed amount per row instead of the statement's two columns.

Want messier inputs too, like a raw bank CSV with Debit and Credit columns? Sample bank statement CSV explains that file line by line, sample bank statement Excel has it as a formatted workbook with formulas and a blank template, and an OFX export and the rest are on sample bank statement files, with a matching fictional credit card statement PDF and its files.

6. Testing a converter or import with it

A sample is only useful if you know the right answer. After converting or importing, compare four numbers:

With the CSV open in Excel or Google Sheets, =12418.36+SUM(C2:C32) returns 13,440.52. It's a plus because the file records withdrawals as negative. The free bank statement balance checker runs the same test on any pasted list. In QuickBooks or Xero, import into a demo or test company only, never into real books; where to test safely covers the Xero Demo Company and QuickBooks sample files.

Practising a checkbook register? The check register template has this same month written as a register, with the 31 statement items marked cleared and three month-end items still outstanding.

7. What the sample is not for

It's for learning the layout and testing software. It isn't a template for a statement that looks real, and it can't be used as proof of address, income, funds or a payment: the bank, account, customer and transactions don't exist, and the watermark says so. Altering or making up a bank statement to use as proof is fraud. If a landlord, lender or agency asks for a bank statement, download your real one from your bank.

8. Converting your own bank statement

When the sample converts the way you need, your own PDF works the same way. Upload a statement on statement to Excel, QuickBooks or Xero: the preview is free with no sign-up and shows whether the rows add up to the ending balance. Your first 3 full statements are free with your email; after that, downloading uses 1 credit ($9 for 5, no subscription) or Pro at $19 a month. Banks with their own pages include Chase, Bank of America, Wells Fargo, U.S. Bank and PNC. Got a CSV from your bank instead of a PDF? CSV to QBO and CSV to Xero are free.

FAQ

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