Ally Bank · Period-End Cutoff
Bank reconciliation cutoff for Ally Bank statements
Ally Bank statements run on the bank's cycle, which rarely lands on your calendar month-end. StatementToExcel splits a Ally Bank PDF into a pre-cutoff file (current-period reconciliation) and a post-cutoff outstanding/in-transit file — so your month-end ties out the first time.
Tip: Ally Bank statement cycles can vary by account type. Set the cutoff to your book close date (calendar month-end), not the statement date.
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How the Ally Bank cutoff split works
- Upload the Ally Bank statement PDF — STE detects the statement period.
- Enable Period-End Cutoff Export and set the cutoff to your month-end.
- Download the pre-cutoff file and the post-cutoff OUTSTANDING file (with a Cutoff Status column).
Why don't Ally Bank statement dates match my calendar month-end?
Ally Bank statement cycles run on the bank's billing cycle (often tied to when the account was opened), not the calendar month. So a statement can run, for example, the 4th of one month to the 3rd of the next — straddling your month-end close. You reconcile to your book close date and treat the overlap as a cutoff adjustment.
How do I split a Ally Bank statement at month-end?
Set your cutoff to the calendar month-end inside the statement period. Transactions through that date are your current-period reconciliation; transactions after it are outstanding/in-transit and carry to next period. StatementToExcel does this split automatically — upload the Ally Bank PDF, set the cutoff, and download the two files.
Can I import the Ally Bank cutoff file into QuickBooks?
Yes — the pre-cutoff file has standard columns for QuickBooks Online (Banking → Upload transactions), and for direct .qbo import see the Ally Bank QBO page.