Downloading Transactions from Your Bank

Before you can import transactions into NP Ledger, you need to download them from your bank or payment platform. This guide shows you where to find the export option for common banks and the best format to choose.

OFX, QFX, or QBO files are the best choice when available. These structured formats include transaction IDs that NP Ledger uses for duplicate detection. If your bank only offers CSV, that works too -- NP Ledger auto-detects the format.

Chase

1. Log in to chase.com and select your account
2. Click Download account activity (link below the transaction list)
3. Set your date range
4. Choose Quicken (QFX) as the file type
5. Click Download

Bank of America

1. Log in to bankofamerica.com and select your account
2. Click Download Transactions (above the transaction list)
3. Choose Microsoft Money (OFX) or Quicken (QFX) format
4. Set your date range and click Download

Wells Fargo

1. Log in to wellsfargo.com and select your account
2. Click the Download Account Activity link
3. Choose Quicken as the format
4. Set your date range and click Download

US Bank

1. Log in to usbank.com and select your account
2. Look for Download Transactions in the account tools
3. Choose Quicken (QFX) format
4. Set your date range and download

Capital One

1. Log in to capitalone.com and select your account
2. Click Download Transactions at the top of the transaction list
3. Choose Quicken (QFX) as the format
4. Select your date range and click Download

PNC

1. Log in to pnc.com and select your account
2. Click Export near the transaction list
3. Choose Quicken (QFX) or OFX format
4. Set your date range and export

PayPal

1. Log in to paypal.com
2. Go to Activity and click Statements & Reports
3. Select Activity Download
4. Choose your date range and select CSV format
5. Click Create Report, then download when ready

Venmo

1. Open Venmo on the web (venmo.com) or in the app
2. Go to Statements (under Settings on web, or the menu in the app)
3. Select your date range
4. Download the CSV file

Mercury

NP Ledger connects directly to Mercury via API -- no file download needed. Use the Mercury import source in the reconciliation workflow.

Stripe

NP Ledger connects directly to Stripe via API -- no file download needed. Use the Stripe import source in the reconciliation workflow.

• Download monthly to match your reconciliation cycle. Most banks let you pick custom date ranges.
• Don't rename the file after downloading -- NP Ledger reads the file contents, not the filename, but keeping the original name helps you remember what's in each file.
• Check the date range before importing. If you download overlapping date ranges, NP Ledger will flag duplicates automatically for OFX files (which have transaction IDs). For CSV files, review carefully.
• If your bank isn't listed above, look for "Download," "Export," or "Activity" options in your online banking. Choose QFX, OFX, or QBO if available; CSV as a fallback.

Accountant note: OFX/QFX/QBO files contain FITID (Financial Institution Transaction ID) values that enable reliable deduplication during import. CSV files lack this, so overlapping imports require manual review. Always prefer structured formats when available.