Citi is really two statement families under one brand, and they behave differently. A Citi credit card statement is organised by cardholder and by category — purchases, cash advances, fees, interest charged — with each block subtotalled, and it typically carries two dates per transaction rather than one, so the sale date and the posted date can straddle a month boundary. There is no running account balance to check against; the reconciliation anchor is the payment-and-credits summary at the top. A Citibank deposit statement is closer to a conventional ledger with a balance column, but it groups activity by account within one document. Descriptions in both are long uppercase merchant strings that wrap onto a second line.
- Sale date and posted date are kept distinct, so a purchase that posts in the following cycle is not silently redated.
- Category subtotal lines are not mistaken for transactions, so purchases, fees and interest blocks do not inflate the row count.
- Wrapped merchant descriptions are rejoined, so a two-line description stays one transaction.
- The printed summary totals are used to verify the output, so a dropped or duplicated row shows up as a DISCREPANCY instead of passing silently.