Bank Statement Analysis

Overview

Bank Statement Analysis (BSA) is AnyCheck’s most comprehensive verification service. It extracts and structures all transactions from uploaded bank statement PDFs or images using OCR, then provides a full suite of financial analytics: balance trends, merchant analysis, cash flow categorization, and more.

Multi-file support

Analyze multiple statements (different months or accounts) in a single verification.

Inspectable OCR results

Read extracted headers and transaction rows programmatically to verify OCR output.

Rich analytics

Balance summary, running balances, merchant analysis, proforma financial statements.

Combine results

Merge multiple BSA results into a single unified view for multi-account analysis.

BSA Workflow

Upload the statement file(s)

Upload the bank statement PDF or image using the file upload endpoint. You can upload multiple files and include passwords for password-protected PDFs.

curl -X POST https://api.anycheck.ai/uploads \
  -H "X-API-Key: YOUR_API_KEY" \
  -F "file_category=VERIFICATION_INPUT_FILE" \
  -F "files=@january.pdf" \
  -F "files=@february.pdf" \
  -F "file_passwords=pw1" \
  -F "file_passwords="

Save the returned file paths to use in the next steps.

Create the BSA verification

Create a verification using the Bank Statement service ID. Pass the uploaded file paths in the configuration object.

curl -X POST https://api.anycheck.ai/verifications \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "service_id": "<bsa-service-uuid>",
    "folder_id": "<folder-uuid>",
    "configuration": {
      "files": {
        "bsa_file": ["/uploads/january.pdf", "/uploads/february.pdf"]
      }
    },
    "webhook_url": "https://your-app.com/webhooks/anycheck"
  }'

Processing is asynchronous. The verification starts in IN_QUEUE and transitions to IN_PROGRESS then COMPLETED.

Inspect headers and item lines

When the verification is COMPLETED, the OCR results are available. Inspect the extracted table structure before reading analytics.Get headers (column names recognized from the statement):

GET /bank-statements/{verification_id}/headers
GET /bank-statements/{verification_id}/headers/{header_id}

Get item lines (individual transaction rows for a header):

GET /bank-statements/{verification_id}/headers/{header_id}/item-lines

Read analytics

Once you’re satisfied with the reviewed data, fetch the financial analytics. See Analytics endpoints below.

Understanding OCR Results

Headers

Headers represent the column structure recognized from the statement, for example: Date, Description, Debit, Credit, Balance. Each header has:

name: the column label as read from the document
type: the detected data type (date, number, string)
index: the column’s position in the table (0-based)

A single verification can have multiple headers if multiple statements were uploaded, each identified by file_index.

Item Lines

Item lines are the individual transaction rows. Each line contains key-value pairs matching the header columns. Read item lines via GET /bank-statements/{id}/headers/{header_id}/item-lines.

Confidence Levels

AnyCheck assigns a confidence level to each extracted page:

Level	Meaning
`HIGH`	OCR accuracy is high; data is reliable
`MEDIUM`	Some uncertainty; review recommended
`LOW`	Low confidence; manual review required

Fetch the confidence breakdown:

GET /bank-statements/{id}/confidence-summary
GET /bank-statements/{id}/confidence-summary/{level}/pages

Analytics Endpoints

Once extraction is complete, the following analytics are available. All endpoints use the verification_id as the {id} path parameter.

Summary dashboard

A high-level overview of the statement: total credits, debits, average balance, and key financial indicators.

GET /bank-statements/{id}/summary

Currency overview

Breakdown of transactions by currency (useful for multi-currency accounts).

GET /bank-statements/{id}/currency-overview

Balance summary

Opening and closing balances, total inflows, total outflows, and net change.

GET /bank-statements/{id}/balance-summary

Running balances

The account balance at each transaction point, useful for visualizing balance trends over time.

GET /bank-statements/{id}/running-balances

Daily ending balances

The closing balance for each day covered by the statement, useful for day-by-day cash flow charts.

GET /bank-statements/{id}/daily-ending-balances

Transaction list

Full paginated list of all transactions with filtering and sorting. Get available columns first:

GET /bank-statements/{id}/transactions/columns
POST /bank-statements/{id}/transactions
# Body: { "page_offset": 0, "page_size": 50, "filters": { ... } }

Merchant analysis

Transactions grouped by merchant with total spend per merchant. Useful for expense categorization.

GET /bank-statements/{id}/merchant-analysis
GET /bank-statements/{id}/merchant-transactions?merchant_name=...

Proforma financial statement

An estimated income/expense summary derived from transaction patterns. Useful when a formal financial statement is unavailable.

GET /bank-statements/{id}/proforma-financial-statement

Recast formula transactions

Transactions matched by your configured recast formula rules. Recast formulas allow custom classification of transactions according to your business logic (e.g., separating operating income from non-operating income).Configure rules via GET /services/{service_id}/configurations/recast-formula-rules.

GET /bank-statements/{id}/recast-formula-transactions

Combining Multiple BSA Results

If you have statements from multiple bank accounts or time periods that you want to analyze together, combine them into a single unified view:

curl -X POST https://api.anycheck.ai/bank-statements/combine \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "bank_statements": [
      { "id": "<verification-uuid-1>", "file_index": 0 },
      { "id": "<verification-uuid-2>", "file_index": 0 },
      { "id": "<verification-uuid-2>", "file_index": 1 }
    ]
  }'

The response contains a verification_id you can use with all analytics endpoints.

BSA vs. Financial Statement

	Bank Statement Analysis (BSA)	Financial Statement
Input	Raw bank statement PDFs/images	Financial reports (balance sheet, P&L)
Output	Structured transactions + analytics	Extracted financial figures
Best for	Cash flow analysis, income verification	Company financial health assessment
Editing	Full item-line editing supported	Not applicable

Use BSA when you need to verify income/cash flow from transaction history. Use Financial Statement when you need to assess a business’s financial position from formal reports.

Introduction

Core Concepts

Overview

Multi-file support

Inspectable OCR results

Rich analytics

Combine results

BSA Workflow

Understanding OCR Results

Headers

Item Lines

Confidence Levels

Analytics Endpoints

Combining Multiple BSA Results

BSA vs. Financial Statement

​Overview

Multi-file support

Inspectable OCR results

Rich analytics

Combine results

​BSA Workflow

​Understanding OCR Results

​Headers

​Item Lines

​Confidence Levels

​Analytics Endpoints

​Combining Multiple BSA Results

​BSA vs. Financial Statement

Overview

BSA Workflow

Understanding OCR Results

Headers

Item Lines

Confidence Levels

Analytics Endpoints

Combining Multiple BSA Results

BSA vs. Financial Statement