Most big U.S. banks keep up to 7 years of statements online, but not all: Bank of America shows 6, Navy Federal 36 months, Fifth Third 24 months, Huntington about 2 years, and card statements often less. This dataset lists 23 banks, card issuers and fintechs, with every figure we couldn't verify marked unknown. Once the PDFs are saved, ZeraBooks converts and proves them against their printed balances.
| Bank | Bank statements online | Card statements online | Older or missing months | Note |
|---|---|---|---|---|
| Chase | Up to 7 years, depending on the account | Not stated separately | Request from Chase | Activity CSV has no beginning or ending balance |
| Bank of America | 6 years | Unknown | Up to 7 years on request, sometimes for a fee | |
| Wells Fargo | Up to 7 years | 2 years | Request from Wells Fargo | Activity download covers recent activity only |
| Capital One | Up to 7 years for open bank accounts | Unknown | Request from Capital One, including closed accounts | Checking statements show online only for paperless accounts |
| Citi | Depends on the account and the site | Unknown | Request from Citi | More than one online banking site for businesses |
| U.S. Bank | Up to 7 years | Unknown | Request from U.S. Bank | |
| TD Bank | Up to 7 years | Unknown | Request from TD Bank | TD Bank, N.A. (U.S.), not TD Canada Trust |
| PNC | Up to 7 years | About 4 years, on a separate card site | Request from PNC | |
| American Express | Not a bank account | Recent statements online; number not stated | Statement archive, or ask American Express | |
| Regions | Up to 7 years | 7 years | Order Statements & Check Copies, $5 each | |
| Truist | Depends on the account | Unknown | Request from Truist | Account history download covers up to 18 months, usually without balances |
| Huntington | Up to 2 years | Unknown | Request from Huntington | Investment statements on a computer only, not the app |
| Citizens | Unknown | Unknown | Request from Citizens | Citizens Bank, N.A., not Citi |
| Fifth Third | 24 months | Unknown | Request from Fifth Third | |
| Navy Federal | Up to 36 months | Up to 36 months (same statement groups) | Copies on request, online or by phone, for a fee per copy | Business accounts use a separate sign-in |
| Discover | Depends on the account | Depends on the account | Request from Discover | Moved accounts are on Capital One's site |
| Chime | Not stated by Chime | Not stated by Chime | Request from Chime support | No paper statements |
| Bluevine | Not stated for PDFs | Not applicable | Unknown | CSV export reaches 18 months back |
| Mercury | Unknown | Unknown | Unknown | Statement posted in the first few days of the next month |
| Relay | Kept online; number not stated | Unknown | Unknown | Card statements the day after the cycle closes |
| Novo | Back to when the account was opened | Not applicable | Not needed | Ready on the 1st of the next month |
| Brex | Kept online; number not stated | Kept online; number not stated | Unknown | Business account statements in the first week after month end |
| Ally | Unknown | Not applicable | Request from Ally | Checking and savings monthly, CDs quarterly |
Several issuers keep card statements for less time than bank statements. Wells Fargo keeps 7 years for checking and savings but 2 years for credit cards. PNC keeps 7 years for checking and savings and about 4 years for cards, on a separate card site. A catch-up or a tax question about an old card charge can need a statement that is no longer online, so save card PDFs as they arrive.
A fictional physical therapy clinic needs its books from July 2024, and it is November 2026. That is 28 monthly statements per account, July 2024 to October 2026, across three accounts: 84 statements in all. The Wells Fargo checking statements are all inside the 7-year window. The Wells Fargo card (2 years) and the Huntington savings (up to 2 years) reach back to about November 2024, so July to October 2024 has to be requested: 4 statements each.
| Account | Window | Download | Request | Total |
|---|---|---|---|---|
| Wells Fargo checking ...3307 | Up to 7 years | 28 | 0 | 28 |
| Wells Fargo card ...8840 | 2 years | 24 | 4 | 28 |
| Huntington savings ...1196 | Up to 2 years | 24 | 4 | 28 |
| All accounts | 76 | 8 | 84 |
The check: 76 + 8 = 84, which is 3 accounts × 28 months. The exact cutoff depends on how each bank counts its window, so ask for the old months early. Once they arrive, each statement's opening balance should equal the previous month's closing balance; a break means a month is still missing. The month-by-month list is in catch-up-plan.csv.
That is a separate question from how long the bank keeps them, and it depends on what the records support. The how long to keep bank statements guide covers it. The short version for this dataset: the bank's window is often shorter than yours, so download and store the PDFs yourself.
Up to 7 years is common: Chase, Wells Fargo (checking and savings), U.S. Bank, TD Bank, PNC, Regions and Capital One (open bank accounts) say so. Bank of America shows 6 years, Navy Federal 36 months, Fifth Third 24 months and Huntington up to 2 years.
Wells Fargo keeps credit card statements online for 2 years, compared with up to 7 years for checking and savings. Older ones have to be requested.
Bank of America Online Banking shows 6 years. Older statements, up to 7 years, can be requested from the bank, sometimes for a fee.
Regions charges $5 for each statement ordered through Order Statements & Check Copies. Its Online Statements page holds up to seven years.
Back to when the account was opened. Each month's statement is ready on the 1st of the next month.
Upload the PDFs to ZeraBooks, which converts them to Excel or CSV and proves each month against its printed opening and closing balances, so a missing month shows up as a break in the chain. Pricing is $79 a month billed annually or $149 monthly for 1,000 pages a month, with a 7-day trial.