Bank Statement AI · PDF Extraction · All US Banks · Fixed Price

Bank Statement AI —
Any Bank. Any PDF. 97%+ Accuracy.

Stop manually reviewing bank statements. XPndAI builds custom AI that reads any US bank PDF statement and extracts structured transaction data — dates, amounts, descriptions, balances, categories — ready for your ERP, lending LOS, reconciliation, or fintech platform.

ChaseBank of AmericaWells Fargo CitiUS BankCapital One RegionsKeyBankTD Bank PNCTruist+ all regional banks
97%+ accuracy
All US banks
PDF + scanned
API ready
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💬 Response within 12 hours. Fixed-price proposal.

Bank Statement AI Use Cases

Lending & LOS Integration

Analyze 3–24 months of statements for loan underwriting: income verification, average daily balance, NSF/overdraft frequency, recurring deposits, debt payment detection, cash flow trends. Output in Fannie Mae / MISMO format or direct LOS integration.

Bank Reconciliation

Ingest bank statement and match every transaction against ERP journal entries. 97%+ auto-match rate. Exceptions flagged with suggested matches. Write-back to QuickBooks, NetSuite, Xero, SAP, Sage.

Accounting Automation

Auto-categorize transactions (payroll, rent, utilities, COGS, etc.) and push to accounting software. Reduce month-end close time by 80%.

Fraud & Anomaly Detection

Identify unusual transaction patterns, large cash withdrawals, duplicate merchants, velocity anomalies, sudden balance drops. Rule-based + ML anomaly detection.

Cash Flow Intelligence

Generate cash flow summaries, income stability scores, seasonal patterns, burn rate analysis, and projected runway. Used by lenders, accountants, and CFOs.

Fintech API / White-Label

REST API endpoint: send bank statement PDF, receive structured JSON. Latency <10 seconds per statement. Rate-limited for bulk processing. White-label for fintech platforms.

Pricing

Fixed price in USD. Source code ownership. 60% of US fintech development rates.

Core AI Module
$12K–$22K
Bank statement extraction engine: all major US banks, JSON output, 97%+ accuracy. API endpoint included. Delivery 4–6 weeks.
Integrated Platform
$25K–$55K
Extraction + categorization + ERP/LOS write-back + exceptions dashboard + cash flow analytics. 8–12 weeks.
Enterprise / SaaS
$50K–$120K
Multi-bank, bulk API, ML categorization, fraud detection, white-label frontend, SOC 2 logging. 3–5 months.

Send us a sample statement —
We'll show you what the AI extracts

Share which banks you need to process, monthly volume, and your target output format. We'll scope the project and send a fixed-price proposal within 24 hours.

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