Bank statement verification software for lenders
Upload a borrower's PDF and get income and cash-flow analysis, NSF and deposit consistency, and fraud signals in about 30 seconds.
Upload your bank statementAnalyze my statementPDF from any bank. Scans and photos work too.Encrypted in transitPDF deleted after analysis
1,000+ statements analyzed · View sample analysis
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
Who verifies statements with us
Self-serve bank statement verification software — the same document review, without the enterprise contract or the manual spreadsheet.
Small lenders & brokers
Bank statement loans, MCA, and equipment financing — average deposits and NSF counts extracted per statement.
Landlords & property managers
Verify tenant income, check rent payment history, and screen for edited PDFs — see the dedicated tenant screening page.
Mortgage operations
Self-employed borrower review: 12–24 months of statements analyzed for income consistency.
Fraud & risk teams
Font, balance-math, and metadata checks flag tampered statements before they reach underwriting.
- per statement, start to finish
- ~30 sec
- upload to test accuracy
- 1 free
- a month on Business, API included
- 500 pages
- no sales call or procurement
- No contract
Every metric an underwriter checks — extracted automatically
Stop building deposit spreadsheets by hand. One upload returns the full review.
Average monthly deposits & income sources
Recurring income separated from one-off windfalls, with deposit frequency detection (weekly, biweekly, monthly).Cash flow & average balance
Net cash flow per month and balance behavior between income events — the cushion signal lenders weight most.NSF and overdraft incidents
Insufficient-funds events counted across the statement period, each linked to the underlying transaction.Fraud & tampering signals
Running-balance math verification, font inconsistency detection, PDF metadata checks, and known fake-template matching.Exportable evidence file
Every transaction with category, date, and amount to CSV or Excel — a clean audit trail for the loan file.
Suspect a fake?
Enterprise-style review, self-serve pricing
Platforms like Ocrolus and Inscribe sell bank statement verification through quote-based enterprise contracts — great at institutional volume, overkill below it.
We cover the same core workflow — parsing, income analysis, fraud signals, API — with public pricing that starts with one free upload. Test accuracy on a real statement before paying anything, then scale on the Business plan ($49/mo, 500 pages per billing cycle, API included). See the full Ocrolus comparison and Inscribe comparison, or try the bank statement analysis software on a real file before committing to anything.
Why automated bank statement verification matters
Manual statement review is slow and inconsistent. An underwriter tabbing through a 40-page PDF, keying deposits into a spreadsheet, misses things — and never catches a well-edited fake. Automated income analysis extracts every deposit, classifies recurring income against one-off transfers, and computes the averages your credit policy actually uses.
Document fraud is the part manual review handles worst. Fake statement generators produce PDFs that look right to the eye but fail structural checks — running balances that don't reconcile, fonts that don't match the bank's template, creation dates after the statement period. Our fraud signals run on every upload, so tampered documents surface before they cost you a bad loan or a bad tenant.
When the review is done, export the categorized transactions to CSV or Excel for the loan file, or pull the same data as JSON through the API to feed your LOS or screening workflow directly.
Secure
Private
Clear pricing
Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
Pass
One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
Pro
Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
- Priority support
Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
Bank statement verification software — FAQ
What is bank statement verification software?
Bank statement verification software reads a PDF statement and checks it automatically instead of by hand — it extracts every transaction, totals deposits and balances, and tests the document itself for signs of editing. It replaces the analyst who would otherwise retype a statement into a spreadsheet and eyeball it for inconsistencies.
How does bank statement verification work?
Upload the borrower’s or applicant’s PDF statement. AI extracts every transaction, calculates average monthly deposits, average daily balance, and income consistency, and runs authenticity checks — font inconsistencies, balance math errors, metadata anomalies, and known template artifacts.
Can this detect fake or edited bank statements?
Yes. The fake statement detector flags the most common tampering signals: running-balance math that does not add up, mismatched fonts, PDF metadata that contradicts the statement period, and layouts matching known fake-statement generators. No detector is 100% conclusive, but it catches the majority of amateur edits underwriters see.
What income metrics do I get for underwriting?
Average monthly deposits, income source breakdown, deposit frequency and consistency, large one-off deposits flagged separately from recurring income, NSF/overdraft incidents, and net cash flow per month — the core of a bank statement loan review.
Do I need an enterprise contract like Ocrolus or Inscribe?
No. This is self-serve: one free upload to test accuracy, Pro at $19/mo (100 pages per billing cycle), Business at $49/mo (500 pages per billing cycle) with API access and metered overage beyond that. No sales call, no procurement cycle.
Is there an API for automated verification?
Yes — the Business plan includes a REST API that returns structured JSON: transactions, categories, income summary, and fraud signals. Create a key on the Developers page and integrate in minutes.
Can landlords and property managers use this for tenant screening?
Yes. Upload a tenant’s statement to verify stated income, check rent payment history at a previous address, and screen for edited documents — before approving the application.
Are the statements stored?
PDFs are deleted right after analysis — we don’t keep them. Reports can be deleted at any time, and Business accounts can configure retention. See our security page for details.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Underwriting is not the only reason to read a statement.
Try it on your own statement
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.