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Statements first, spreadsheets second. What follows is how Tower Federal Credit Union files its statements, how to download the exact periods a job requires, and how those PDFs become verified data.
Privacy: uploaded files and generated exports are stored only briefly to complete your download and are automatically deleted within 15 minutes. Files are never used for any other purpose.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Most accounts statement monthly, closing on the same cycle date each month. Online statement archives typically reach back several years; when a cleanup needs months beyond the online archive, the route is a statement request to the bank — branches and phone support can usually produce older PDFs or paper copies for a closed period, and those paper copies convert through the scanned (OCR) route with the same reconciliation check.
Credit unions statement the membership, not just the account: a Tower Federal Credit Union statement typically combines share savings, checking and sometimes loan activity in one document, opening with a summary of each account. When you convert, treat each account's section as its own statement — each carries its own balances and its own check. Members whose only account is a share savings account may be statemented quarterly rather than monthly, which matters when you are chaining a year together. Tower Federal Credit Union member statements typically combine share and checking activity in one document family, each account carrying its own opening and closing balances. Tower Federal Credit Union is headquartered in Laurel, Maryland, and its statements are issued centrally — the same document family serves every branch and channel.
Online access usually ends when an account closes, and with it the self-serve archive. Former customers can typically still obtain statement copies by request — expect identity verification and a research turnaround rather than an instant download. Order them before the cleanup deadline, not during it. When the copies arrive as paper or scans, they convert through the OCR route and are reconciled against their printed balances like any other statement.
Common causes: the account statemented quarterly in that period, the account was opened or closed mid-cycle, or the statement sits under a combined-statement view. Check the neighbouring months' balances — if they chain, the period is covered.
Both. The PDF is the record; the converted Excel or CSV is the working file. Sending the pair means any figure can be traced back to the bank's own document in one step.
Usually the download was interrupted, or the file is a print-view export rather than the issued PDF. Re-download from the statements area; if the bank offers both a print and a PDF option, take the PDF.
Some relationships offer combined statements covering several accounts in one PDF. Download it once, then convert each account's section separately so every account keeps its own balance check.
Yes, the app reaches the same archive, and for a month or two it is the quickest route. For a year of history the website is usually faster: a deeper archive view, several downloads in a row, and files that land somewhere you can name and file properly.
Tower Federal Credit Union statement converter hub · How to reconcile Tower Federal Credit Union statements · Tower Federal Credit Union statement to QuickBooks · Tower Federal Credit Union statement to Excel
Your first conversion is free — no card, no sign-up — and every result is checked against the statement itself before you download it.