BMO Harris Bank · Period-End Cutoff
Bank reconciliation cutoff for BMO Harris Bank statements
BMO Harris Bank statements run on the bank's cycle, which rarely lands on your calendar month-end. StatementToExcel splits a BMO Harris 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: BMO Harris Bank statement cycles can vary by account type. Set the cutoff to your book close date (calendar month-end), not the statement date.
Free to try · zero data retention · included on Starter and above
Drop your PDF bank statement here
or click to browse · PDF files only
Your file is processed in memory and never stored. Learn more
How the BMO Harris Bank cutoff split works
- Upload the BMO Harris 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 BMO Harris Bank statement dates match my calendar month-end?
BMO Harris 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 BMO Harris 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 BMO Harris Bank PDF, set the cutoff, and download the two files.
Can I import the BMO Harris 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 BMO Harris Bank QBO page.