Guide · Citizens Bank

Convert Citizens Bank statements to Excel, CSV or QuickBooks®

Download your Citizens Bank statements, drop them into Pennyrow, and get every transaction as a clean spreadsheet, with a check that each statement adds up. Free. Your statements are read inside your browser; we never upload, receive, see or store them.

Step 1: download your statements from Citizens Bank

Transaction downloads

Citizens Bank also lets you download transactions as a file. Pennyrow reads CSV, OFX and QFX files:

• Quicken or QuickBooks (Web Connect): Click the account, then Export, and choose a date range and file format. Pennyrow reads the Quicken (QFX) file. (up to 18 months for deposit accounts)

PDF statements are usually the better choice for catching up a year: each one has opening and closing balances, so Pennyrow can check every month adds up.

Good to know

• The Document Center also holds check images, notices and tax forms, so filter it to statements.
• Citizens says credit card, mortgage, combined and relationship statements may not be available online.
• Citizens has used two statement layouts: an older one with minus signs on debits, and a newer one with separate Withdrawals & Debits and Deposits & Credits sections. Pennyrow is tested against both.

Checked October 13, 2026 against Citizens Bank's help pages: www.citizensbank.com/customer-service/FAQs/mobile-and-online-banking.aspx, www.citizensbank.com/promo/gopaperless.aspx, www.citizensbank.com/account-safeguards/online-terms-and-conditions.aspx, www.citizensbank.com/small-business/online-services/accounting-software-compatibility.aspx. Banks move menus around; if a step has changed, the help page has the current one.

Step 2: drop them into Pennyrow

1. Open Pennyrow and choose your files, or drag them in. A whole year at once is fine, and you can mix Citizens Bank with your other banks and cards.
2. Each statement gets a balance check: opening balance plus money in, minus money out, should equal the closing balance. You see "✓ Balanced", or which row is off and by how much.
3. Catch-up checks look across all your files: missing months, statements that don't follow on from the last one, the same transaction in two files, and transfers between your own accounts (including card payments) so they aren't counted twice.
4. Export: Excel (.xlsx), CSV, a QuickBooks Online bank CSV, a QuickBooks Desktop .iif file, or OFX.

If a Citizens Bank statement doesn't read right

• Pennyrow reads statement layouts with general rules, not a Citizens Bank-specific template, and it hasn't been tried on every Citizens Bank layout. The balance check is how you know: if a statement doesn't balance, Pennyrow shows the row that's off so you can fix it.
• Scanned or photographed statements can't be read (there's no OCR). Download the PDF from Citizens Bank's site instead of scanning a paper copy.
• Password-protected PDFs open with your own password, used only in that tab.
• If a layout keeps failing, tell @minsoesantun which Citizens Bank account type it was. Please don't send the statement itself.

Questions

Is it free?

Yes. Converting statements, the catch-up checks and every export are free.

Does my Citizens Bank statement get uploaded?

No. The converter page is locked so it can't make network requests, and once it's open it keeps working in airplane mode. Here's how to check that yourself.

Do I need to sign in to Citizens Bank through Pennyrow?

No, and you never should. You download the statements yourself; Pennyrow never asks for a bank login.

Does it make a .qbo (Web Connect) file?

Not yet. For QuickBooks Online use the bank CSV export; for QuickBooks Desktop use the .iif export.

Other banks and cards

• Chase
• Bank of America
• Wells Fargo
• Citi
• Capital One
• American Express
• Discover
• U.S. Bank
• PNC
• Apple Card
• Ally Bank
• Chime
• Navy Federal Credit Union
• Truist
• TD Bank
• Fifth Third

Any bank or card with text PDF, CSV, OFX or QFX statements can work; these guides cover where to download them.