Fillable Form Bank Statement | Edit, Sign & Download in PDF | PDFRun (2022)


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What is a Bank Statement?

A Bank Statement is a financial document that contains a summary of financial transactions that occurred over a period of time. In general, it comes from a bank and financial institutions and provides an individual the information regarding the funds he or she has in his or her account. By providing a financial summary, it lets a person become aware of his or her financial status, allowing him or her to plan expenses accordingly and effectively.

The primary purpose of a bank statement is to provide an account holder with his or her bank information. It contains specific transactions and their respective amounts within a given period. While it is a simple financial document that outlines financial transactions, it comes with a lot of benefits. An individual may use a bank statement to apply for loans, to monitor all financial transactions on a regular basis — daily, weekly, or monthly, to trace transaction information to check if there are discrepancies in the account, to use as proof for legal claims, and as a guide when making financial decisions.

A bank is obligated to provide a bank statement upon the request of an account holder. In general, an account holder should submit an application, providing all the necessary details for the bank to be able to pull up the account. A copy is typically free of charge, but if a person needs multiple copies or printouts, a bank may charge a small fee. A bank or a financial institution sends bank statements through the mail, usually in the form of written documents. An account holder may also receive electronic bank statements via electronic mail.

How to fill out a Bank Statement?

Get a copy of Bank Statement template in PDF format.

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Unfortunately, an account holder cannot make his or her own bank statement and pass it off as an official financial document. Nevertheless, one can use a personal bank statement to use to compare with the official statement issued by a bank or financial institution. Doing so can help an account holder watch out for any errors and discrepancies in the record that the bank possesses. Typically, any error should be reported within 60 days after the transaction. To reconcile discrepancies, an account holder can show his or her personal record with the bank, highlighting the errors. Just remember that it is illegal to use an unofficial bank statement as an official document; it will result in legal problems and penalties.

In general, a bank statement shows all financial activities in the account; some banks and financial institutions generate the document monthly. It includes deposits, withdrawals, service charges, earned interests, and penalties if there are any. Moreover, it provides the starting balance of the account, completed transactions, and details of the account holder. As a financial summary document, it shows a summary of all the transactions that have happened within a specific period of time.

Using PDFRun’s Bank Statement, one can create your personal bank statement to track his or her finances. Follow the guide below to use the bank statement template accurately.

To start, provide the name and address of the account holder. Also, provide the period of the account statement.

For the Account Summary, provide the opening balance, total deposits, total withdrawals, and closing balance for the specific period.

A bank statement contains a table where specific financial transaction details should be supplied. For every transaction, the account holder should provide the date, description, deposits, withdrawals, and balance. Then, compute the closing balance for the specific period.

Get a copy of Bank Statement template in PDF format.

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Frequently Asked Questions About a Bank Statement

How do I get a bank statement?

There are several ways to get a bank statement:

  • You can access your bank statements online via your bank's application or website to download an electronic copy.
  • You can request a paper copy from your bank by visiting in person.
  • You can also receive a paper copy of your bank statement by requesting via mail or if applicable, over the phone.

Most people access their bank statements online because it is more convenient and efficient. You can easily print out your bank statement or save it as a PDF file. You can also track your account activity and transactions more easily. However, some people prefer to receive their bank statements by mail because it is hard to access the Internet every time they need a copy of their statement. In addition, some people think that it is more reliable if they receive their bank statements through snail-mail.

There are also banks that only have online banking and opting for a paper copy of your statement can be an additional service for their customers. Electronic bank statements are also good for the environment since paperless statements use less energy and resources to produce than their paper counterparts. Paperless statements can also be more secure because no one else can obtain your information or tamper with it unlike in hardcopies where anyone who has access to it can alter the information on the statement.

Can I get a bank statement immediately?

The fastest way to get a bank statement is by going to a local branch and asking for it. The obvious downside is that you're going to have to go out of your way to pick up a paper statement. If your bank has an online application or website that lets you access your bank account information, you can print out a PDF of your bank statement.

Can I make a fake bank statement?

You cannot and should never make a fake bank statement. You may get in trouble for creating a fake bank statement and passing it off as an official document. Doing so is illegal. Moreover, it is a crime to forge or falsify any document, including bank statements.

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When you create a fake bank statement, you are lying to the person who receives it. You may be trying to get money from them or trying to get them to do something they wouldn't normally do. Whatever your reasons, making a fake bank statement is never a good idea.

If you are caught forging a bank statement, you could face criminal charges. You could go to jail or be fined for your actions. Additionally, you may lose your job and be blacklisted from other jobs in the future.

When you need a bank statement, it is better to get one from the bank itself. This way, you can be sure that it is an official document and that it has not been tampered with. If you need a statement for legal purposes, you may want to get a certified copy from the bank. A certified copy will have an official seal on it and will be accepted by courts and other legal bodies.

What should I blackout on my bank statement?

When you submit a bank statement to a person requesting it, you may blackout any information that is not pertinent to the person requesting it. You can cover your information such as your Social Security Number (SSN), account numbers, and other personal information with a marker or white-out. This will ensure that your privacy is protected and no one will be able to access your personal information.

How are bank statements verified?

In general, a company or organization that requested your bank statement verifies your information with the help of their verification team. A verification team is composed of people who will confirm the authenticity of the information you provided. They will also make sure that the bank statement you submitted is accurate.

There are different types of verification teams and each member of them has his or her own set of procedures and methods. In some cases, a company or organization may have its own in-house verification team. This means that the people who work in this team are employed by the company itself. This kind of verification team is composed of employees who are knowledgeable about their company's policies and procedures.

Verification teams may also be outsourced to a third-party agency for the facilitation of their work. Third-party verification teams also have their own set of criteria, thus making it difficult for you to know what they are looking for.

Regardless of who is handling the verification process, it is important that you cooperate with them. Remember that they are just doing their job and that they want to make sure that everything is in order. By providing them with accurate information, you are helping them do their job well. And by doing so, you are also increasing your chances of getting approved for the request you applied for.

Two of the main members of a verification team are a Fraud Analyst and a Risk Officer. A Fraud Analyst is in charge of analyzing the information on your bank statement to determine if there are any suspicious transactions that have been done on your debit or credit card. Meanwhile, a Risk Officer is someone who evaluates whether you can be trusted with a business deal or not by observing how you handle the information

Is it illegal to forge a bank statement?

Falsifying any document to pass it off as an official document is illegal. In the case of a forged bank statement, a person could be charged with a criminal offense and may face a jail term if convicted.

Therefore, you must never forge a bank statement, even if you are under pressure to do so. There are other ways to deal with financial difficulties that do not involve breaking the law.

Can you hide bank transactions?

You will not be able to hide bank transactions. Once a transaction is made in your bank account, it will appear on your bank statement.

How do embassies detect fake bank statements?

Embassies detect fake bank statements by sending them to the appropriate banks for verification. The appropriate banks will then confirm the authenticity of the statements. The process of confirming the authenticity of a bank statement can take some time and varies.

How can I edit bank statements online PDF?

Before you edit your PDF bank statements online, you need to understand that falsifying and forging bank statements to pass them off as official documents is illegal. You could be prosecuted for this criminal offense, and you may even end up in jail.

There are a few reasons why you might want to edit your PDF bank statements online. For example, you may want to change the name of the bank or add an extra line to the statement. Whatever your reasons, make sure that you understand the risks involved before you start editing.

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There are a few ways to edit PDF bank statements online. One way is to use a PDF editor like PDFRun. This web-based software allows you to make changes to the text and images in your PDF document. Once you have edited your PDF bank statement, you need to save it as a PDF file.

When you have finished editing your PDF bank statement, make sure that you keep a copy of the original document. This will be useful if you need to prove that the edit was a genuine mistake. If you do not keep a copy of the original document, there is no way to prove that the changes were accidental. In some cases, your financial institution may ask for evidence that you have made a genuine change to your bank statement before they will accept it as valid documentation. In this case, you should be able to use a copy of your edited PDF bank statement as proof that you made a genuine mistake when editing the original.

Do loan companies check your bank account?

Loan companies check your bank account to understand your financial situation when you apply for a loan. But not all banks share this information with lenders, and even the ones that do may not tell the full truth. When you give your consent to a loan company to do a background check on you to determine your financial situation, you are also authorizing them to access your bank account. Some banks do not share all of their account information with lenders. So, even if you have a good credit score and make your loan payments on time, the loan company may not be able to see that if they only look at your bank account history. They may assume that you cannot pay them back, and this could lead to a poor approval rate or a high-interest rate.

There are ways to change your bank account in order to avoid any denial due to insufficient funds on hand. You can open an account at another bank that will report your activity to companies looking into your past banking habits, such as loan companies. Another option is to have a family member or friend open an account in their name and link it to your existing account so that you can transfer funds as necessary.

You may also want to limit the amount of money available in the account you plan on checking with lenders. Or, if possible, keep a close eye on your bank activity and make sure that you have a set amount of funds in your account before applying for loans.

You can also choose to stop using your bank completely, but this will limit what kinds of loans you are able to get. For instance, if you go to a car dealership and try to purchase a car with a loan company that has access to your bank account, they will be able to see your account balance. If you have a low bank balance, it is very unlikely that the loan company will approve the loan as this means you do not have much money on hand, which could impact what kind of car you are able to purchase.

Another option is to opt for an installment loan instead of a traditional loan. An installment loan is a type of loan where you borrow a set amount of money and then make fixed payments over a specific period of time. This type of loan is often available to people with bad credit, so it can be a good option if you are struggling to get approved for a traditional loan. When you apply for an installment loan, the loan company will look at your credit score and how much money you make to determine if they want to offer you a loan. If you do not have good credit or enough income, then an installment loan could be a good solution for you because it does not rely on what is in your bank account. If possible, try to get a loan that does not require a bank account check. This will help you avoid any issues with your bank history being revealed to the lender. However, if you do need to take out a loan and your bank account is the only option, make sure that you are aware of what the loan company will be able to see.

Is it OK to send a bank statement as proof of address?

Yes, a bank statement can serve as proof of address.

Typically, a bank statement will list your name and address, as well as your account number and other relevant information. This can be used to prove that you reside at the stated address.

If you are recently moved or are in the process of moving, you may not have a bank statement with your current address on it. In this case, you can provide a letter from your landlord or another official document that confirms your current address.

Does a bank statement count as proof of address?

Yes, a bank statement counts as a document that verifies your address. In general, any official document that shows your address can count as proof of residence.

Why do companies ask for bank statements?

Companies, particularly lenders or any financial institution, ask for bank statements to see your history of savings and expenditures, as well as any recurring incoming and outgoing payments such as monthly rent or a mortgage.

Your bank statement is one of the most important documents you need to provide when applying for a loan. It shows how much money you have available at all times, so it's always good practice to check your balance before applying for a loan.

Your bank statement can be issued in either paper or electronic form. It acts as the official record of all transactions made over a particular time period, including deposits and withdraws, direct debits and credits, cheques that have been cashed, charges, interest charges, and any fees levied by your bank. A bank statement will show where your money has gone, both in terms of the amount and what you've spent it on.

Is a bank statement a legal document?

A bank statement can be a legal document in some circumstances.

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For example, if you are a party to legal action and the other side requests copies of your bank statements, the bank statement can be used as evidence in court. Bank statements can also be used to prove your income in a bankruptcy case. If you are trying to prove that you have no money to pay your creditors, your bank statement can be submitted to the court as evidence. Your bank statement, however, will not be proof of your income if you have a checking account with substantial funds. Instead, the court may require that you submit copies of canceled checks from an account made payable directly to you or from rent receipts or deposits from rental allocable to you.

Your bank statement can also be used to show proof of your assets. This may be important if you are filing for bankruptcy and need to list all of your assets in order to protect them from being seized by your creditors. In some states, a bank statement can even be used as evidence of the sale of a property. For example, if you are trying to argue that you sold your car, the bank statement showing the transfer of funds to your checking account can be used as evidence.

A bank statement should be considered a legal document when an amount other than the balance in the account is listed on it. For example, if you are selling stock or property and list the value on it, the bank statement can be submitted to support this value when proving damages in a lawsuit.

As long as the other party is able to verify where or how much money is being transferred in or out of an account, your bank statements are not legal documents in themselves. For example, if you have a checking account with substantially more funds than your statement shows, the bank statement would not be considered a legal document. This is because the other party could not verify where the extra money came from. However, if you can provide documentation to support the funds in your account, such as a copy of a canceled check, then the bank statement would be considered a legal document.

Who can see my bank transactions?

In general, those that can see your bank transactions are:

  • The bank itself, which is the only party you're paying in any transaction.
  • Your account holders (your family members or whoever else you authorized to access your account).
  • The government (by law), for tax purposes.
  • Authorized investigators or lawyers working for an interested party in civil cases (divorce, settling estates, etc.), with a subpoena.
  • Authorized investigators or lawyers working for the government in criminal cases, with a warrant.
  • Credit card companies (and other businesses that extend you credit), in order to assess your creditworthiness and risk.
  • Debt collectors, if you're behind on your payments.
  • Banks in other countries, if you're conducting a cross-border transaction.
  • Hackers, if they've broken into the bank's computer systems.
  • Companies that offer "free" checking accounts, in order to sell you products or services.

Your bank is not allowed to disclose your account information to anyone else without your permission, except in certain very specific cases. If you're concerned about who might be able to see your bank transactions, you can ask your bank for a copy of its privacy policy. You can also contact your state banking authority for more information about what banks are allowed to do in your state.

How do lenders verify your income?

Lenders can verify your income by requesting copies of your most recent pay stubs, W-2s, or tax returns. Depending on how you receive your income, lenders may also request bank statements or other documentation to verify your income sources. If you are self-employed, you may be required to provide more detailed information about your business

Do finance companies ask for bank statements?

Finance companies, particularly lenders, may ask for your bank statements to be sent to them. However, you are not obliged to hand over your bank statements or other personal financial information to any third party who asks for it without first getting your permission

You should bear in mind that sending your bank statements to the lender will allow them access to all of your transaction history and balance details, which means lenders can easily see everything that you have been spending money on. In many cases, they do not need to see the entire statement, but only a certain section of it.

Sending your bank statements places no obligation on you to proceed with the loan request and allows the company to use the information contained in these documents against you. Your bank accounts should always be kept up to date so that you have the most accurate information needed for your own financial planning and not handed over to a third party.

The lender has no right to demand copies of your bank statements, so anyone who asks for them is doing so without authority and it should be reported. The institution should send out any correspondence only through authorized staff and not by a third party. If you have been asked for your bank statements by a finance company, it is advisable to refuse them and find another lender who will not request these documents or any other personal financial information that you do not wish to give out.

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FAQs

How do I edit a PDF bank statement? ›

How to edit PDF files:
  1. Open a file in Acrobat.
  2. Click on the “Edit PDF” tool in the right pane.
  3. Use Acrobat editing tools: Add new text, edit text, or update fonts using selections from the Format list. ...
  4. Save your edited PDF: Name your file and click the “Save” button.

Can you edit your own bank statement? ›

Lenders routinely request bank statements to verify income, cash flow, or assets. However PDF copies of bank statements can be altered or even completely fabricated.

How do I download bank transactions as a PDF? ›

How to download a bank statement pdf
  1. Visit your bank's website.
  2. Log in to Online Banking/Digital Banking/Internet Banking/eBanking etc.
  3. Click 'statements', 'e-documents', or 'download'
  4. Make sure you've selected the correct account.
  5. Choose a statement (or a date range)
  6. Choose the . ...
  7. Download*

How can I edit text in PDF? ›

How to edit PDF files:
  1. Open a file in Acrobat.
  2. Click on the “Edit PDF” tool in the right pane.
  3. Use Acrobat editing tools: Add new text, edit text, or update fonts using selections from the Format list. ...
  4. Save your edited PDF: Name your file and click the “Save” button.

How do I blur a PDF bank statement? ›

How do I blur a PDF bank statement? - YouTube

How do I edit a bank statement in Excel? ›

From your internet banking, download the bank statement in CSV format. Open file in Microsoft Excel. Format columns as needed. Save file as Unicode Text (*.
...
  1. Bank accounts & feeds.
  2. Import & manage bank statements.
  3. Edit your bank statement with non-Roman characters.

What is a good PDF editor? ›

The Top 6 Best PDF Editors
  • Adobe Acrobat Pro DC—Best Overall.
  • PDF Candy—Best Free PDF Editor with OCR for Scanned Documents.
  • PDF Expert—Best for Editing Short Documents Using Clean Tools.
  • PDFelement Pro—Best for Editing Large Documents.
  • Foxit Phantom PDF—Best for Mobile PDF Editing.
Aug 11, 2022

Can I download my bank statement online? ›

Download the banking app from Google Play Store, App Store or from the bank's website. Sign-in on the app using your bank details. Click on 'View balance', 'View transaction history', or 'Download account statement'. Select a date range to obtain an account statement.

How do I open a bank statement PDF? ›

The consumer has to enter the last five digits of the registered mobile number and date of birth in the DDMMYY format. For example, if a mobile number is XXXXX13458 and DOB is 25 August 1990 then the password will be 13458250890. Using the net banking and SBI Mobile app one can get the statement free of cost.

How do I download a PDF bank statement nationwide? ›

Getting your statement

chat to us in our Internet Bank. You'll need to log in to our Internet Bank, select Need help? Send us a message from the left-hand menu, select Chat with us and type Get a statement into our web chat. You'll be transferred to one our team members, who will be happy to help.

How do I blur a PDF bank statement? ›

How do I blur a PDF bank statement? - YouTube

Can we edit a scanned PDF document? ›

Edit text in a scanned document

Open the scanned PDF file in Acrobat. Choose Tools > Edit PDF. Acrobat automatically applies OCR to your document and converts it to a fully editable copy of your PDF.

How can you convert a PDF to Word document? ›

Click the Select a file button above or drag and drop a PDF into the drop zone. Select the PDF you want to convert to the DOCX file format. Watch Acrobat automatically convert the file from PDF to Word document. Download the converted Word document or sign in to share it.

How do I edit a bank statement in Excel? ›

From your internet banking, download the bank statement in CSV format. Open file in Microsoft Excel. Format columns as needed. Save file as Unicode Text (*.
...
  1. Bank accounts & feeds.
  2. Import & manage bank statements.
  3. Edit your bank statement with non-Roman characters.

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