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Statements first, spreadsheets second. What follows is how Wintrust Bank files its statements, how to download the exact periods a job requires, and how those PDFs become verified data.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
A month can be missing from an online archive for mundane reasons: the account opened or closed mid-cycle, the period statemented quarterly, or the document sits under a combined-statement view rather than the single account. Before concluding the month does not exist, check the neighbouring statements — if their balances chain across the gap, the period is covered by them. What genuinely cannot be downloaded can be requested as research copies from the bank.
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. Wintrust Bank 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. Wintrust Bank is headquartered in Chicago, Illinois, and its statements are issued centrally — the same document family serves every branch and channel.
If the account still receives paper statements, the fastest upgrade in any bookkeeping workflow is switching it to eStatements in Wintrust Bank online banking and the mobile app — every future month then exists as a first-generation PDF. For months already past, paper scans convert through OCR with the same balance check; scan flat, straight and at a steady resolution, and review flagged rows against the image. Avoid the middle option — printing an online statement to paper and scanning it back — which destroys the digital original for no benefit.
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 is reconciled and flagged rows should be reviewed against the scan.
Yes — that is the normal flow. Download the PDFs and send them as issued; your bookkeeper converts and verifies them. Never send online banking passwords; statements are all a bookkeeper needs from the bank.
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.
Statements close on a cycle date set by the bank, which is often a few days before or after month end. Work in statement periods when you import — the closing date on the document is the period's end, whatever the calendar says — and let the balance chain, not the calendar, tell you whether a month is missing.
Usually, yes. The converter detects pages stored rotated and reads them in their displayed orientation; a genuinely sideways scan is reported honestly rather than guessed at. If a page is flagged, re-scanning that page flat and upright is the reliable fix.
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Your first conversion is free — no card, no sign-up — and every result is reconciled against the statement itself before you download it.