Discover Bank · Period-End Cutoff
Bank reconciliation cutoff for Discover Bank statements
Discover Bank statements run on the bank's cycle, which rarely lands on your calendar month-end. StatementToExcel splits a Discover 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: Discover 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 Discover Bank cutoff split works
- Upload the Discover 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 Discover Bank statement dates match my calendar month-end?
Discover 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 Discover 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 Discover Bank PDF, set the cutoff, and download the two files.
Can I import the Discover 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 Discover Bank QBO page.