Statements That List Deposits and Withdrawals Separately
Some statements don’t use one transaction table. They print a Deposits block, then a Withdrawals block, sometimes a Checks block, each with its own total. The amounts usually carry no plus or minus at all; the heading is what tells you the direction.
Your file is never uploaded. RowSmith reads text-based PDF statements in your browser. Scanned PDFs aren't supported yet. Always review the rows before you use them.
Open the free statement converter
How the converter treats each section
When RowSmith meets a short heading such as Deposits, Additions or Credits, it treats plain amounts beneath it as money in. Under a heading such as Withdrawals, Subtractions, Debits, Checks Paid or Fees, plain amounts are treated as money out and get a minus sign.
- Amounts that already show a sign (a minus, brackets, CR or DR) keep that sign rather than taking the section's direction.
- Section totals such as “Total deposits” are meant to be skipped, so they shouldn't appear as transactions.
- Two columns instead of headings: if the table has separate Deposits and Withdrawals columns, the column decides the sign instead.
In the end everything lands in one amount column: money in positive, money out negative.
Row order in the output
The rows are sorted by date once reading is done. A deposit from the 3rd and a withdrawal from the 3rd end up next to each other, instead of in two blocks the way the PDF shows them. If you want the section back, sort or filter on the sign of the amount.
Checking the result
- Find the section totals on the statement, for example the total of deposits and the total of withdrawals.
- In the spreadsheet, add up the positive amounts and then the negative amounts separately.
- Compare each sum with the printed total. A gap points to a row missed or a heading not recognised.
- If a whole block has the wrong sign, its heading probably wasn't read as a section heading. Correct the signs in the preview before you download.
Treat any match as an estimate and still look over the rows.
Good to know
Headings with unusual wording
The converter looks for common words. A heading like “Other activity” or one that sits on the same line as other text may not switch the direction, so rows under it keep whatever sign they print.
Statements with a running balance
When each line also prints a balance, unsigned amounts can be checked against the change in balance, which gives a second clue about direction.
Questions
Why are my withdrawals positive?
Most likely the heading above them wasn’t recognised as a withdrawals section. Fix the signs in the preview, then compare the negative total with the printed total.
Will the section totals show up as rows?
Lines starting with "Total" are meant to be skipped. If one slips through, delete it in the preview.
Can I keep deposits and withdrawals in separate columns?
The download uses one signed amount column. In a spreadsheet you can split it into two columns with a simple formula on the sign.
This guide was written with AI assistance and reviewed against the converter's behaviour. Always review your output before using it.
RowSmith is an independent tool and is not affiliated with any bank or software company.
Converting is free. RowSmith Pro ($9/month or $59/year) adds suggested Schedule C categories, saved cleanup rules and monthly category totals.