Credit union statement converter
Turn any credit union statement PDF into a clean, reconciliation-ready CSV, Excel, QuickBooks (QBO) or Xero file — including the small-CU and core-banking layouts that template-based converters choke on. No template setup, no bank login.
Why most "PDF converters" fail on credit union statements
If you've tried a statement converter on a credit union PDF and gotten scrambled rows, missing transactions, or a flat-out "unsupported bank" error, the tool isn't broken — it's built the wrong way for the job.
Most converters work off a per-bank template: a human maps out exactly where the date, description, and amount sit on a Chase or Wells Fargo statement, and the tool replays that map on every file. That's fast for the twenty banks everyone uses, and brittle for everything else. Credit unions are the "everything else":
- Every credit union designs its own statement. There are thousands of credit unions in the US, each with its own header, column order, running-balance placement, and check-image blocks. A template built for one won't fit the next.
- Core-banking platforms render differently. Statements are generated by systems like Symitar (Jack Henry), Fiserv DNA / Portico, and Corelation KeyStone. The same platform can be themed per institution, so even "two Symitar credit unions" don't produce identical layouts.
- Small institutions get ignored. Maintaining a template costs the vendor money, so tools prioritize the big banks. A regional or two-branch credit union often never gets a template at all — so it silently returns garbage or nothing.
- Account types shift the layout. A share draft, a money market, and a business account from the same CU can print differently, breaking a template tuned to just one.
How BankTidy reads any credit union layout
BankTidy doesn't keep a template per bank. It reads the statement page the way a person does — finding the transactions wherever they sit on the page, whatever the header looks like, whatever core-banking system produced it. There's nothing to configure and no "is my credit union supported?" list to check against, because it isn't matching your file to a fixed catalog.
The part other tools skip: it reconciles
Reading the page is only half the job. The number that actually matters to a bookkeeper is whether the transactions add up. For every statement, BankTidy takes the opening balance, adds the sum of every transaction it extracted, and compares that to the printed closing balance.
This is the same metric on our public benchmark, where 14 of 14 real statements from 7 institutions across 3 countries reconciled to the penny — including a scanned US bank statement and a 79-transaction Spanish-language statement. See the full benchmark →
Private by design — no online-banking access
You never hand over a credit union login. BankTidy works entirely from a statement PDF you already downloaded, so there is no account to link and no credentials to enter. Files are used only to produce your export, encrypted in transit and at rest, and are not used to train anything. How we handle data →
Frequently asked questions
Does it work with my credit union?
Almost certainly. BankTidy reads the statement page the way a person does instead of matching it against a per-bank template, so it isn't limited to a fixed list of institutions. That includes small and regional credit unions, and statements produced on core-banking platforms like Symitar (Jack Henry), Fiserv DNA/Portico, or Corelation KeyStone — the systems that make one CU's statement look nothing like another's.
Is it safe? Do I have to connect my credit union login?
No login and no account linking. You upload a PDF statement you already downloaded or received. There is nothing to connect, so BankTidy never touches your online banking credentials. Files are processed only to produce your export, encrypted in transit and at rest, and are not used to train anything.
My credit union isn't a big bank — will that be a problem?
That is exactly the case template-based converters handle worst and BankTidy handles best. Because there is no per-institution template to build, a two-branch credit union is treated the same as a national bank — the engine reads whatever layout is on the page.
Will the output balance?
Every conversion adds the opening balance to the sum of every extracted transaction and compares it to the printed closing balance. If it ties to the penny you get a reconciled confirmation; if it doesn't, the statement is flagged so you can review it rather than importing bad numbers.
What formats can I export to?
CSV, Excel (XLSX), QuickBooks Online (QBO), and Xero. The CSV and QBO files are built to import cleanly for reconciliation.
What does it cost?
Three conversions per month are free with no card. A one-time $9 pack covers 50 pages with no subscription and credits never expire. Monthly plans start at $15 for regular volume.