Bank Statement Verification
Upload any bank statement and get an instant AI authenticity analysis. Detects balance errors, font tampering, metadata anomalies, and statistical red flags — in seconds, not hours.
How verification works
Upload the statement
Drop any bank statement — PDF, scanned image, or photo. Digital and scanned formats both work.
AI runs 12+ checks
Our AI analyzes the document for font consistency, balance arithmetic, transaction patterns, formatting anomalies, and metadata integrity.
Get your verification report
See a clear authenticity score with specific green flags (looks legitimate) and red flags (potential tampering) — with explanations for each.
What gets checked
12+ individual checks across four categories — every check runs automatically on every upload.
Visual integrity
Authentic statements use one font family throughout. We detect mixed fonts, size changes, or weight shifts within the transaction table that indicate manual editing.
Real bank statements have machine-perfect column alignment. Pixel-level shifts in text positioning reveal where values were replaced.
On scanned statements, edited areas often have different print density or sharpness than the surrounding text.
Mathematical integrity
Every running balance must equal the previous balance plus or minus the transaction amount. We check every single row — one discrepancy flags the document.
Opening balance + all deposits − all withdrawals must equal the closing balance. Edited amounts break this equation.
Banks print summary totals (total deposits, total withdrawals). We verify these match the sum of individual transactions.
Pattern analysis
Real transaction histories rarely have mostly round numbers. A high percentage of amounts ending in .00 is statistically unusual and flags review.
Legitimate transactions follow natural patterns — weekday clusters, no transactions on bank holidays, logical date sequences.
Real merchants appear as codes (WHOLEFDS MKT #10247, AMZN MKTP US*2K). Generic names like 'Grocery Store' or 'Payment Received' are unusual.
Document metadata
For digital PDFs, we check creation date, software used, modification history, and producer field. Statements edited in Photoshop or Word have telltale metadata.
Authentic statements include a bank logo, FDIC/NCUA notice, routing number reference, account number formatting, and customer service information.
Each bank has characteristic formatting — header layout, column order, footer content. Deviations from known patterns are flagged.
What red flags look like in practice
Real examples of what our verification catches — and how we explain each finding.
Balance doesn't add up
Opening balance $4,230.15 + $2,800 deposit − $1,500 withdrawal = $5,530.15, but statement shows $6,030.15. The $500 discrepancy means a transaction was added or an amount was changed after the fact.
Mixed fonts in transaction table
Most rows use Arial 9pt, but three deposit entries use Arial 9.5pt with slightly different kerning. These entries were likely pasted from another source or typed manually.
PDF created in image editor
PDF metadata shows 'Producer: Adobe Photoshop CC 2025' instead of a bank's document system. Legitimate bank PDFs are generated by enterprise document platforms, not image editors.
Statistically unlikely pattern
12 of 15 deposits are exact round numbers ($3,000.00, $2,500.00, $1,000.00). Real payroll deposits typically include cents ($3,247.83), and round numbers at this frequency have less than a 1% chance of occurring naturally.
Manual review vs AI verification
AI doesn't replace your judgment — it gives you better data to make decisions faster.
| Manual review | AI verification | |
|---|---|---|
| Time per statement | 15–30 minutes | Under 10 seconds |
| Balance arithmetic | Calculator + manual row-by-row | Every row checked automatically |
| Font analysis | Eyeballing — easy to miss subtle edits | Pixel-level analysis detects sub-point size changes |
| Metadata check | Requires PDF inspection tools | Automatic — creation date, software, modification history |
| Pattern detection | Experience-dependent — easy to miss | Statistical analysis across all transactions |
| Consistency | Varies by reviewer fatigue and experience | Same 12+ checks every time, no fatigue |
| Cost | $25–$75 per manual review | Free (3 pages/month) or from $9/mo |
Who needs bank statement verification
Anyone who receives bank statements from other people and needs to trust the numbers.
Verifies statements from any bank
Our AI handles bank statement formats from every country worldwide.
Frequently asked questions
How does bank statement verification work?+−
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Can it verify scanned or photographed statements?+−
Does a clean report guarantee the statement is real?+−
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Verify a bank statement — free
No account. No credit card. Up to 3 pages free every month.