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Fake Bank Statement Detector

Upload a bank statement PDF or image. Our AI scans it in seconds and gives you an authenticity score with specific red flags — free.

Authenticity score 0–100Specific red flagsBalance arithmetic checkFont & formatting analysis
Drop the bank statement here
or click to browse — PDF, JPG or PNG
✓ Free · No account needed✓ File deleted after scan
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No data stored
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No account required
Works with any bank

What makes a bank statement look fake?

These are the most common signs our AI checks for — and that trained eyes spot instantly.

Inconsistent fonts

Authentic bank statements use one consistent font family throughout. Mixed fonts or sizes in the transaction table are a clear sign of manual editing.

Rounded transaction amounts

Real transactions rarely land on exact round numbers. A statement full of $500.00, $1,000.00, or $2,500.00 charges with no cents is suspicious.

Balance arithmetic errors

Every legitimate statement: opening balance ± all transactions = closing balance. Any discrepancy means the numbers were edited after the fact.

Generic or missing merchant names

Real statements show actual merchant names (WHOLEFDS MKT #10247, AMZN MKTP US*2K). Vague entries like "Grocery Store" or "Payment" suggest fabrication.

Dates out of sequence

Transactions should be in chronological order with no impossible dates (future dates, non-existent days like Feb 30).

Missing bank identifiers

Real statements have a bank logo, FDIC/NCUA notice, routing number reference, and standard account number formatting.

Who needs to verify bank statements?

Anyone who accepts bank statements as proof of income or funds.

Landlords
Screening rental applicants who submit bank statements as proof of income
Lenders
Reviewing personal loan or auto loan applications with supporting documents
Employers
Verifying salary history or financial background during hiring
Property managers
Processing move-in applications at scale with multiple documents per applicant

Frequently asked questions

How does the fake bank statement detector work?+
Our AI analyzes the document visually and structurally — checking font consistency, number formatting, balance arithmetic, transaction patterns, and professional layout against what real bank statements look like. It returns an authenticity score from 0 (definitely fake) to 100 (authentic).
Is this 100% accurate?+
No tool can guarantee 100% accuracy. Sophisticated forgeries may score higher; unusual but legitimate statements from smaller banks may score lower. Use this as a screening tool, not a definitive verdict. For high-stakes decisions (mortgage, legal), request statements directly from the bank or use a bank-verified portal.
Who uses a fake bank statement detector?+
Landlords screening rental applications, lenders reviewing loan documents, employers verifying income, and property managers processing move-in applications. Anyone who receives bank statements as proof of funds or income.
Is my uploaded file kept private?+
Yes. Your file is sent securely over HTTPS, analyzed by AI, and immediately discarded. We do not store uploaded documents, log file contents, or share data with third parties.
What formats can I upload?+
PDF (most common — direct bank download), JPG, and PNG. If you have a printed statement, take a clear photo or scan it to a PDF first. Maximum file size is 10MB.
Can I detect fake bank statements from any bank?+
Yes — the AI analyzes universal indicators of document authenticity, not bank-specific templates. It works with statements from Chase, Bank of America, Wells Fargo, Citi, credit unions, online banks like Chime or SoFi, and international banks.

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