Your IOLTA and operating account statements arrive as PDFs, but a monthly three-way reconciliation needs them as rows you can match against your trust and client ledgers. Upload the statement and BankXLSX returns clean dated lines with deposits, disbursements, checks, and the running balance. Start free, no credit card.
Last updated June 2026
Upload your bank statement
Drop file here or click to upload
PDF, JPG, PNG, BMP, HEIC, TIFF, MT940
Uploading...
Download the monthly IOLTA or trust account statement as a PDF from your bank, then upload it to BankXLSX. The converter reads every deposit, disbursement, check paid, and bank fee into dated spreadsheet rows with the running balance, so you can match the bank statement balance against your trust ledger and the sum of your client ledgers. You get an Excel or CSV file in under a minute, ready for the three-way reconciliation your state bar requires. BankXLSX prepares the bank side of the reconciliation; it does not replace your client ledgers or trust accounting software.
Every law firm that holds client money has to reconcile its trust account on a schedule, and the bank statement is one of three records that must agree. Getting that statement into a workable form is where the month-end crunch usually starts.
Most banks deliver the monthly IOLTA statement as a PDF, and many small banks and credit unions where firms hold trust accounts offer no clean export, so the figures get retyped by hand.
A three-way reconciliation only balances when the bank statement, the trust ledger, and the total of every client ledger agree to the penny, and one mistyped amount throws all three off.
Online banking often exports only recent activity, while the official statement you need for a prior month or a closed matter is available only as the archived PDF.
Trust disbursements are usually checks, and you need the check number, payee, date, and amount lined up in columns, not stuck inside a block of statement text.
If the account or a client ledger dips below zero even for a day, the bank can notify your state bar, so the reconciliation has to be accurate and on time every month.
Hours spent keying statement lines into a spreadsheet are hours the firm cannot bill, and they pull a paralegal or bookkeeper away from client matters.
Upload the PDF and the converter turns the statement into the clean, dated rows a three-way reconciliation needs, with the balances intact so you can tie out against your ledgers.
Deposits, disbursements, checks paid, and bank fees each land on their own row with date, description, and amount in separate columns you can sort and filter.
Trust checks keep their check number, payee, and amount together, so you can match each disbursement to the client matter it belongs to.
The statement running balance is carried through, which is exactly what you reconcile the bank side against when you tie out the three records.
Download a real .xlsx workbook to reconcile in, or a clean CSV to import into QuickBooks, Clio, TrustBooks, or your trust accounting software.
Layouts tuned to how US banks and the smaller institutions that hold many IOLTA accounts print their statements, including scanned and image PDFs.
256-bit encryption in transit, and you can delete every uploaded file when you are done, which matters for confidential client records.
No software to install and no credit card to start.
Save the monthly IOLTA or operating account statement from your bank as a PDF. Scanned statements and phone photos work too.
Tip: Prior-month and closed-matter statements are fine.
Drag the PDF into the box above. BankXLSX reads the deposits, disbursements, checks, and fees and writes each to its own row.
Tip: One account per file keeps the reconciliation clean.
Save the result as XLSX or CSV, then match the bank balance against your trust ledger and your client ledger totals.
Tip: Columns come out reconciliation ready.
Trust accounting is a recurring, deadline-driven job at any firm that holds client funds, so the people converting these statements are the ones who own the monthly reconciliation.
Run the monthly trust reconciliation yourself without retyping a single statement line.
Convert a client firm IOLTA statement into rows you reconcile against the trust and client ledgers in Excel or your software.
Close the books on the trust and operating accounts faster each month and keep a clean record in case of a bar audit.
Pull a year of trust activity into a spreadsheet for a trust account audit or a compliance review.
A three-way reconciliation is the check most state bars require on a client trust account, and it balances when three records agree: the bank statement balance, your trust ledger (the running book balance of the account), and the combined total of every individual client ledger. When all three match to the penny, every dollar in the account is tied to a specific client and nothing is missing or commingled. The bank statement is one of those three records, which is why getting it into a clean, addable form is the first step every month.
Most state bars expect a trust account reconciliation every month, performed soon after the bank statement arrives, documented in writing, and reviewed by an attorney before it is filed away for the firm records. Monthly is the safest standard even where a rule allows quarterly, because the longer you wait the harder a small discrepancy is to trace. The reconciliation and the supporting records typically have to be retained for several years in case of a bar audit or a disciplinary inquiry.
It helps to see the three sides side by side. A converter handles the first row, the bank statement, by turning the PDF into rows you can total and match against the other two.
| Record | What it is | Where it comes from |
|---|---|---|
| Bank statement balance | The ending balance the bank reports for the period | The monthly IOLTA or trust account statement (PDF) |
| Trust ledger balance | Your running book balance of every deposit and disbursement | The trust journal or checkbook register |
| Client ledger total | The sum of every client matter balance, with none below zero | The individual client ledgers |
BankXLSX converts the bank statement, one of the three records, into a spreadsheet. It is not trust accounting software: it does not keep your client ledgers, perform the reconciliation, or decide whether the account is compliant. What it does is remove the slowest, most error prone part of the month, retyping the bank statement, by reading the PDF into dated rows with the deposits, disbursements, check numbers, fees, and running balance already separated into columns. From there a legal bookkeeper can match the bank total against the trust ledger and client ledger totals in minutes. Firms that handle the books in house often pair it with our bank statement converter for bookkeepers workflow and the guide to bank statement reconciliation, and use transaction categorization to tag operating account spending.
Yes, and many firms do. Some state bars, including the Washington State Bar Association, publish sample check register and client ledger templates in Excel with the running balance formulas built in, so a spreadsheet is an accepted way to keep the records as long as you do the three-way match every month. The piece Excel cannot give you on its own is the bank side: that still arrives as a PDF. Converting the statement with the PDF bank statement to Excel converter or the general bank statement converter drops the bank data straight into the same workbook, so you reconcile in one place instead of typing two columns by hand.
Most firms run an operating account next to the trust account. Once that operating statement is in a spreadsheet, you can move it into your accounting system: if the firm keeps its books in QuickBooks, convert the statement straight to a QuickBooks import with a bank statement to QuickBooks converter. For the client costs you advance and rebill, digitize the paper trail with a receipt and expense data extractor so every reimbursable expense has a record. And when an engagement letter, retainer agreement, or settlement needs a signature, an online document e-signing tool keeps the whole matter moving without printing.
It is a check that balances three records: the bank statement balance, your trust ledger balance, and the combined total of every client ledger. All three have to agree to the penny, which proves every dollar in the trust account belongs to a specific client and nothing is missing or commingled. Most state bars require it monthly.
Most state bars require a trust account reconciliation every month, done shortly after the bank statement arrives, put in writing, and reviewed by an attorney. Monthly is the safest standard even where a rule allows quarterly, and the reconciliation records usually have to be kept for several years for a possible bar audit.
Yes. Some state bars publish sample trust ledger and client ledger templates in Excel with running balance formulas, so a spreadsheet is an accepted method as long as you complete the three-way match each month. BankXLSX converts the bank statement PDF into the same workbook so the bank side is not typed by hand.
Download the monthly IOLTA statement from your bank as a PDF, then upload it to BankXLSX. The converter reads every deposit, disbursement, check, and fee into dated rows with the running balance and lets you download an Excel or CSV file in under a minute, ready to reconcile against your ledgers.
Usually, yes. Banks deliver the official monthly trust statement as a PDF, and many small banks and credit unions that hold IOLTA accounts offer no clean data export at all. The PDF is also the only copy available for a prior month or a closed matter, which is exactly when converting it saves the most time.
No. BankXLSX converts the bank statement into a clean spreadsheet, which is one of the three records in a reconciliation. It does not keep your client ledgers, run the three-way match, or judge compliance. You or your software still perform the reconciliation; the converter just removes the retyping.
Uploads are protected with 256-bit encryption in transit, and you can delete every file after you download the result, so nothing has to linger on the server. Files are never resold or shared. For confidential client records, deleting the upload once the spreadsheet is saved is the cleanest practice.
Most state bars expect the monthly bank statement with check images, the trust ledger or journal, the individual client ledgers, the written three-way reconciliation report, and supporting deposit and disbursement records. Converting the bank statement to a spreadsheet gives you a clean, addable version of the first of those records.
Chapter 7 and 13 statement prep for consumer cases.
High-volume conversion for legal bookkeeping.
Audit-ready extraction for accountants.
Reconcile statements with clean data.
Convert any PDF statement to Excel.
From the same family of tools
Get started converting bank statements to spreadsheets.
USD
per month
billed as
$288 yearly
Choose speed vs accuracy when extracting
| Base AI Faster | 2,500 pages |
| Pro AI Best accuracy | 500 pages |
Scale statement conversion across your team with automation.
USD
per month
billed as
$888 yearly
Choose speed vs accuracy when extracting
| Base AI Faster | 10,000 pages |
| Pro AI Best accuracy | 2,000 pages |
Enterprise-grade bank statement conversion and controls.
USD
per month
billed as
$ yearly
Choose speed vs accuracy when extracting
| Base AI Faster | pages |
| Pro AI Best accuracy | pages |
