How To Find The Date You Opened A Bank Account

How to Get Your Bank Statement

Every month, your bank prepares a document for you showing all of of your transactions for the by calendar month. This is called a banking concern statement. It's important to review your banking company statement regularly – in office to ensure there aren't any transactions yous don't recognize, which could mean fraud. Allow'southward pause down how to get your bank statements, either online or through the mail.

Your bank business relationship is only 1 role of your finance. Consider working with a financial advisor to put together a financial program for other financial needs and goals.

How to Get a Bank Statement Online

About banks today offer online banking for both eolith and credit card accounts. This makes it easy to check your account to run across the status and transactions, transfer money, and conduct other banking business concern. One of the things you lot can do in your online cyberbanking account is get your banking concern statement.

For recent months, your statements should be readily available to download as a PDF, free of charge. Banks vary on how to receive your argument, but typically at that place volition exist a link at the acme for "Statements," possibly under "Account" or "Account Services." Once you detect this page, you will have admission to downloadable, PDF versions of your banking company statements. You can choose the time frame and what business relationship you want to view. About banks take your statements instantly bachelor, though it's possible you'll need to asking to have the PDF emailed to you.

In addition to downloadable PDF statements, the main page of your business relationship should too list out your recent transactions in an account summary. The transactions may be broken out by statement cycle or all together. While this is not technically your statement, and may include some pending charges, this is an easy way to review recent credits and debits from your business relationship.

Most banks offer the pick to "go paperless" and only receive and review your statements online. If you've gone paperless, this is the way to see your statements. You should also regularly download and file your statements on your computer in case y'all need like shooting fish in a barrel access to them in the future.

How to Get a Banking company Statement past Mail

Checking your bank statement

Typically, when you sign upwards for a banking company business relationship, you will automatically receive your monthly bank statements past mail. They are mailed out monthly based on when yous opened your account, and then they won't necessarily align with the beginning or end of the calendar month. These will look identical to the downloadable PDFs from the website.

What happens if you can't find your paper argument? These could happen for a number of reasons. Perhaps you misplaced information technology, peradventure information technology got lost in the postal service, or perhaps you chose to only receive online statements. Regardless, near banks offer the option on their online cyberbanking portal to request a paper statement to exist mailed to you. This request is likely in the aforementioned identify every bit your digital statements. It may be a different option nether the same "Argument" heading, or in that location may exist a button on the folio showing your statements. If yous choose to request a printed argument, exist careful, every bit your bank may accuse a fee – typically around $half-dozen – for this service.

If y'all practise not take access to online cyberbanking, y'all can call your bank's customer service line. They can help you receive a newspaper copy of your statement. You tin find the number for customer service on the back of your debit carte or in the contact section of the bank's website.

If your bank doesn't take an choice to request a newspaper statement, yous can impress out a downloaded PDF for a physical copy of your argument. This printed version volition await exactly like the mailed version of your statement and is considered an official document.

How Long Do Banks Retain Statements?

Almost banks have a limit to how long they retain copies of your statement. This is usually seven years. It is important to continue copies of your statements filed either physically or digitally, but in case you demand them and your bank no longer retains the statements. This is peculiarly true for any yr-end statements yous receive before tax time, as these tend to recap your interest and other taxable earnings for the twelvemonth. You may be audited by the IRS and need to prove how much you earned.

When yous no longer need your bank statement, it's advisable to shred them, as yous would any document containing private financial information.

Bottom Line

How to Get a Bank Statement

Getting a copy of your bank statement is piece of cake. Your online cyberbanking page will list out all of your statements. From at that place, you can download a PDF or guild a paper version past post. Y'all can also phone call your bank's client service line for help. And if yous'd like to receive a paper statement every month, most banks will exercise so past default unless you specifically cull to "go paperless" and receive only online statements.

Tips for Getting More From Your Depository financial institution

Checking and savings accounts are just 1 part of your financial pic. If you really desire to work toward larger financial goals, like retirement, consider working with a financial counselor to put together a financial program for your needs and goals. SmartAsset's costless tool matches you with up to iii financial advisors in your area, and you tin interview your advisor matches at no cost to decide which one is right for you. If you lot're ready to find an counselor who can assistance you accomplish your fiscal goals, get started at present.
If y'all're comfortable in the earth of online banking, you might consider switching to an online-only banking company. They tend to take higher interest rates than traditional banks. And some, like Marry, still offering in-person access to your greenbacks through ATMs.

Danielle Klimashousky Danielle Klimashousky is a freelance author who covers a variety of personal finance topics for SmartAsset. She is an expert on topics including credit cards and home ownership. Danielle has a BA in English from Wesleyan University.