✅ How Verification Works

When a statement loads, the app checks the AI's extraction against the totals your statement itself prints — in your browser, before you are asked to trust any of it. The AI reads both your transactions and the totals they’re checked against, so this isn’t two independent readings — it proves that everything the AI read adds up exactly. A missing, duplicated or misread transaction breaks that, unless another error happens to cancel it.

Every analyzed statement ends up in one of the states below. The badge on its card in the Files tab tells you which one, and the Files tab label shows a ⚠ when any statement is waiting on you.

✓ Verified

What it means: the transactions the app extracted tie exactly to the totals your statement prints.

Your next step: nothing. This is the state you want.

✓ Verified — totals entered by you

What it means: the check ran and tied, but one of the figures it needed came from you rather than from the statement's text. The qualifier names who supplied what:

• totals entered by you — you typed in a printed figure the app couldn't read.

This is a real tie, not a courtesy badge — the same arithmetic, the same exact-cents comparison. The qualifier is there so you can always see what the tie rested on.

Your next step: nothing. To review or change what you supplied, reopen Printed totals on that statement's card.

⚠ Review totals

(the card heading reads Not machine-checked)

What it means: the app could not find this statement's printed totals in a form it recognizes, so no check ran. This does not mean anything is wrong with your transactions — it means nothing has been checked yet.

Your next step, whichever fits:

• Printed totals — open the disclosure on the card and type the figures your statement prints. The same checks then run against them.

• Or check it yourself: 📄 Open source PDF, compare the printed summary against the computed figures shown on the card, and Accept to record your sign-off.

✕ Doesn't reconcile

What it means: a check ran and did not tie. The card names which check failed, the statement's figure, the computed figure, and the exact difference.

Your next step:

• Re-load the statement — drop the PDF again. That re-runs the extraction, which often fixes a misread. When the problem is a printed-totals reading rather than an extraction one, the card says so, and re-loading won't help.

• 📄 Open source PDF and check the figure the card names.

• If a transaction was misread, see the two ways to help below.

• If you have checked the statement by eye and it is right, Accept anyway records your sign-off.

✓ Accepted by you

What it means: you reviewed this statement yourself and signed off on it. The machine did not verify it.

This badge is never relabeled "Verified," and it never will be. A tie the app performed and a judgment you made are different things, and the app keeps them different. If the statement had already failed a check, the card keeps saying so underneath.

Your next step: nothing.

✕ Rejected

What it means: you reviewed the statement and rejected it. It stays flagged, and its transactions still count toward your totals.

Your next step: re-load the statement to re-run the check, or — if you've since reviewed it and it's right — Accept anyway to record your sign-off.

When the app is stuck

It is on the statement's own card in the Files tab.

Enter the printed totals — open Printed totals on the card and type what the statement prints. Anything you type outranks what the AI read. Submit with every field blank to clear your entries and go back to the AI's figures.

How the check works

For the reader who wants the mechanism — this is the part the trust argument rests on.

No AI is involved in the check itself. The comparison is arithmetic your browser performs against figures printed on your own statement. The AI's job ends at reading; it never decides whether a statement reconciles. The figures it checks are read by the AI from your statement — see What the check can and can’t tell you below.

Your categories never affect it. The check is given your statement's printed totals and the amounts of the transactions — nothing else. Changing a category, adding a rule, or setting a category by hand cannot change whether a statement reconciles.

Exact cents, zero tolerance. Every amount is converted to a whole number of cents and compared exactly. A penny off is a failure, not a rounding difference. There is no "close enough" setting to relax.

What gets compared:

• Balance replay (checking accounts) — beginning balance, plus every credit, minus every debit, must land exactly on the printed ending balance.

• Stated totals — the deposits and withdrawals the app extracted against the totals the statement prints.

• Card statements — extracted charges against printed New Charges; extracted credits against printed Payments/Credits.

• Card summary — the statement's own printed figures must add up: previous balance, plus charges, fees and interest, minus payments, equals the new balance. This checks the printed summary against itself. The line above is what checks your transactions. A fee or interest line the app couldn't read counts as $0.00 here, so a statement that does print one won't add up until you type it in.

Totals printed in parts. Some statements print one total across two lines — payments and credits separately, or interest on its own line under deposits. The app adds the parts before comparing. If the same label appears more than once with different amounts, the app doesn't guess: that figure stays unread, and the card says so.

What the check can and can’t tell you

The AI reads your statement — its transactions and its printed totals — and the app checks them against each other in your browser, in exact cents. Because both sides come from the same reading, the check is only as independent as the statement's own arithmetic. It catches a missing, duplicated or misread amount, unless another error happens to cancel it out exactly.

It doesn't catch every wrong label. Fees and interest both add to what you owe, so a fee filed as interest still adds up. That's why each total is shown with the label the AI read beside it: if the label doesn't match the line it's on — “Interest Charged” under Fees, say — the figure went in the wrong place, even though the statement still verified.

For a check that doesn't depend on the AI at all, open Printed totals and type in the figures from your statement. Anything you type outranks what the AI read.

A missing or duplicated transaction fails the tie. That is the whole point. If the extraction drops a $42 purchase, the sum comes up $42 short and the statement will not verify — you find out, rather than the gap sitting in your data looking authoritative.

What reconciliation does not prove. It checks the totals, not every field. If a merchant name is misread but the amount and the date are right, the totals still tie and the statement still verifies. Reconciliation catches transactions that are missing, duplicated, mis-signed, or wrong in amount — it does not certify that every description is correct. Verified means the math tied on this statement, not that your data is perfect.