Chase statement to Xero: download, convert and import

Xero can take Chase data three ways: a bank feed (going forward), a file download for recent activity, and PDF statements converted to CSV for older months. Catch-up and clean-up work usually needs the last two.

1. Recent activity: the Chase download

On chase.com (desktop), open the account and choose the download icon next to the activity list, then pick the account, file type and date range. Chase describes this download as covering roughly the last two years; the Chase Mobile app offers a PDF of transactions rather than these file formats. Xero's statement import accepts OFX/QFX, QIF and CSV files, so pick a Quicken (QFX/OFX) option if it is offered, or CSV otherwise. The date range on offer is shown in the download dialog and is usually shorter than the statement archive.

2. Older months: PDF statements

Open the main menu → Statements & documents, choose the account and year, then open or save each statement. Chase says up to 7 years are available, depending on the account type. Save one PDF per statement period and name it by account and period (for example 4821_2025-03.pdf) so a missing month is obvious.

3. Shape the CSV for Xero

• Xero's bank statement CSV needs at least Date and Amount, plus a payee or description. Download Xero's own template from the import screen and match its columns.
• Use one signed Amount column: money into the account positive, money out negative.
• Keep one date format throughout the file, and choose the matching format in Xero's import step.
• Delete summary rows (totals, balance lines, rewards tables). They are not transactions.

Chase-specific things to watch

• Chase business checking statements group transactions by type (deposits, checks, electronic withdrawals) rather than by date. Merge the sections and sort by date before you import.
• Chase credit card statements (for example Ink or Sapphire) show purchases as positive numbers. In a Xero credit card account, purchases must be money out (negative) and payments money in (positive), so flip the signs.
• A downloaded date range rarely starts on the statement's opening date, so take the opening balance from the PDF, not the download.

4. Tie out before you import

1. For each statement: opening balance + all amounts = closing balance.
2. Chain the periods: each closing balance must equal the next opening balance.
3. If a month doesn't tie, find the gap now. It is much harder to find after the lines are reconciled in Xero.

5. Import into Xero

1. In Xero go to Accounting → Bank accounts, open the account's menu and choose Import a statement.
2. Upload the file, map the columns and check the preview.
3. If a bank feed is already connected, import only dates before the feed started, or you will get duplicate statement lines.
4. Reconcile the imported lines, then compare Xero's statement balance with the PDF's closing balance.

Troubleshooting: see Xero bank statement import errors. For QuickBooks instead, see Chase to QuickBooks.

Bank menus change; labels here were accurate to our knowledge in Oct 2026, so check your bank's help pages if something differs.