A Wells Fargo statement is a Combined Statement of Accounts, broken into per-account sections, each opening with an Activity summary and then a single Transaction history table headed Date, Description, Deposits/Credits, Withdrawals/Debits and Ending daily balance. Two things in that make converters stumble. The balance column is an ending daily balance, printed on the last row of each day rather than against every line, so row-by-row balance arithmetic does not apply cleanly. And cheques are listed twice: once in the transaction history and again in a separate Summary of checks written block that runs two sets of Number / Date / Amount columns side by side across the page, with an asterisk marking gaps in the cheque sequence. A converter reading that block left to right merges two unrelated cheques into one row.
- Per-account sections are kept apart, so a combined checking-plus-savings statement does not merge two accounts into one ledger.
- Deposits/Additions and Withdrawals/Subtractions map to the Credit and Debit columns, so the direction of every amount survives the conversion.
- Wrapped merchant descriptions are rejoined, so a description that spills onto a second line stays one transaction.
- The Activity summary and Totals row are used to verify the output, so a dropped row surfaces as a DISCREPANCY rather than passing quietly.