Everything starts with the PDF. Here is where TowneBank keeps its statements, how far back the archive reaches, and how to pull exactly the months you need.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Statements close on a cycle date, not necessarily the last day of the month — note each account's closing day before planning a month-by-month import, because a statement month and a calendar month are not always the same thing. Online archives generally cover several years; deeper history is a bank research request, and scanned results still go through the full balance check.
Expect the standard regional-bank set: monthly statements for checking and savings with opening and closing balances and a running balance on most layouts, card statements on the Previous / New Balance pattern where the bank issues its own cards, and periodic statements for CDs and money market accounts. Each type converts separately, against its own balances. TowneBank typically prints the period's opening balance first, works through the activity in date order, and closes with the ending balance the transactions must reproduce. From its headquarters in Suffolk, Virginia, TowneBank issues statements per account and per period through online banking.
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.
The digital PDF is always the cleanest input. A paper statement can be scanned flat at a steady resolution and converted through OCR; its result goes through the same reconciliation check, and flagged rows should be reviewed against the scan.
Separate months. Each monthly statement carries its own opening and closing balances, which is what the verification works from — and month-by-month files import in order without surgery.
Many banks offer a transaction download in CSV or OFX alongside the PDF statements. That covers recent activity, but the PDF statement remains the document with balances — the thing reconciliation is checked against.
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.
TowneBank statement converter hub · How to reconcile TowneBank statements · TowneBank statement to QuickBooks · TowneBank 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.