Multi-Account Statements

When a Statement Covers Multiple Accounts

Kick's statement extraction expects one account per document. Some banks — particularly smaller credit unions and certain card issuers — issue a single PDF that combines multiple accounts. When a PDF contains multiple accounts, the extractor may pull transactions or balances from the wrong account, combine figures, or fail to identify a clear opening and closing balance. This causes mismatches that can't be resolved by adjusting individual transactions.

{% hint style="info" %} Each uploaded PDF is associated with a single account. If you upload a combined statement for one account, that same document can't be reused for the second account — upload it again as a new document and select the new copy. {% endhint %}

Identifying a Multi-Account Statement

You likely have a multi-account statement if:

• The PDF shows separate transaction sections for different account numbers or card numbers
• The statement lists more than one opening balance or closing balance
• The extracted opening or closing balance doesn't match what you expected for that account
• The extracted transaction count is higher than expected — it may include transactions from the other account

Splitting the PDF Before Uploading

This is the recommended approach. Create a separate PDF for each account before uploading to Kick.

1. Open the combined statement and identify which pages belong to which account. Look for the account number or last four digits printed on each page.
2. Print the relevant pages to a new PDF — on Mac, use File → Print → Save as PDF; on Windows, choose Microsoft Print to PDF as the printer. Select only the pages for the account you need.
3. Make sure each resulting PDF includes the page with the statement summary (opening balance, closing balance) for that specific account.
4. Repeat for each account on the statement.
5. Upload each individual PDF to Kick under the correct account.

If you have Adobe Acrobat, you can also use Extract Pages or Split Document to separate the file.

{% hint style="warning" %} Each split PDF must include the statement summary page for the correct account. Without a clear opening and closing balance on the document, Kick's extraction won't be able to match balances, and you'll need to enter them manually. {% endhint %}

Correcting the Extraction Manually

If splitting isn't practical — for example, when both accounts share the same summary page — upload the combined PDF and fix the extraction results in Kick.

1. Upload the combined statement for one of the accounts.
2. After extraction, review the results. Kick shows the extracted opening balance, closing balance, and transaction list.
3. Edit the opening and closing balances to reflect the correct account's figures from the statement summary.
4. Remove any transactions that belong to the other account.
5. Add any transactions the extractor missed for this account.
6. Complete the process once the figures match.

{% hint style="info" %} You can click and drag to highlight multiple rows in the extraction table, or hold Shift and use the arrow keys to select in bulk — similar to a spreadsheet. {% endhint %}

To handle the second account, upload the same PDF again as a new document in the Documents tab, then start a new import or reconciliation for that account using the new copy. Repeat the same correction process — this time keeping only the other account's balances and transactions.

{% hint style="info" %} This approach is more error-prone than splitting, especially for accounts with high transaction volumes. Where possible, split the PDF first. {% endhint %}