How to Convert TD Bank Statement to Excel or CSV

TD Bank and TD Canada Trust provide statements in PDF format, which creates friction when you need to analyze transactions, reconcile accounts, or import data into accounting software like QuickBooks or Xero. While TD's EasyWeb offers CSV downloads for recent transactions, there's a strict 18-month limit—anything older is PDF-only.

This comprehensive guide covers everything you need to know about converting TD Bank statements to Excel, including both the direct CSV download method (when available) and AI-powered PDF conversion for historical statements.

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The TD Bank CSV Download Problem

What TD Bank Offers

TD Bank's EasyWeb and TD Canada Trust's online banking platforms allow you to download account activity in CSV format, but with significant limitations:

• 18-month restriction: You can only download CSV files for transactions from the past 18 months
• Transactions only: CSV downloads contain raw transaction data, not full statement summaries
• No statement metadata: Missing beginning/ending balances, interest calculations, and fee breakdowns
• Format inconsistencies: TD changed their CSV layout toward the end of 2025, breaking some accounting software imports

Why You Need PDF Conversion

For anything beyond the 18-month window—tax preparation requiring 2-3 years of history, loan applications, audits, or historical analysis—you'll need to convert PDF statements to Excel.

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Method 1: Download CSV Directly from TD EasyWeb (Transactions Only, 18 Months Max)

Step 1: Log Into TD EasyWeb

1. Go to easyweb.td.com (Canada) or onlinebanking.tdbank.com (US)
2. Enter your Access Card number or username and password
3. Complete multi-factor authentication

Step 2: Navigate to Account Activity

1. Select your account from the dashboard (TD Checking, TD Savings, TD Credit Card)
2. Click "View Transactions" or "Account Activity"
3. Set your date range (maximum 18 months back from today)

Step 3: Download as CSV

1. Look for the "Download" or "Export" button
2. Select "Spreadsheet (.CSV)" from the format dropdown
3. Click "Download" and save the file with the .csv extension

Step 4: Open in Excel

1. Open Excel or Google Sheets
2. Go to File > Open and select your downloaded CSV
3. TD CSV format typically includes: Date, Description, Debit, Credit, Balance

Limitations of This Method

• ❌ Only works for last 18 months - Historical statements require PDF conversion
• ❌ Missing statement context - No beginning balance, interest breakdown, or fee summaries
• ❌ Format changes - TD's CSV structure changed in late 2025, causing compatibility issues
• ❌ Requires cleanup - May need manual formatting to match accounting software requirements

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Method 2: Convert TD Bank PDF Statements to Excel (Recommended for Historical Data)

For statements older than 18 months, full statement exports, or when you need complete statement metadata (balances, fees, interest), converting the PDF is the only option.

Step 1: Download Your TD Bank Statement PDF

For TD Canada Trust (Canadian Accounts):

1. Log into TD EasyWeb
2. Click "Accounts" > "Statements"
3. Select your account (TD Every Day Savings, TD Value Checking, TD Cash Back Visa, etc.)
4. Choose the statement period (monthly statements available for 7 years)
5. Click "View PDF" and download

For TD Bank (US Accounts):

1. Log into TD Bank Online Banking
2. Navigate to "Statements & Documents"
3. Select your account
4. Choose your statement month
5. Download the PDF file

Step 2: Upload to Data River

1. Go to Data River
2. Click "Upload Statement" or drag and drop your TD Bank PDF
3. Wait 20-30 seconds for AI processing

Step 3: Download Your Excel File

1. Click "Download CSV"
2. Open in Excel, Google Sheets, Numbers, or import to QuickBooks

Output Format:

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TD Bank Statement Format Quirks (Why Generic Converters Fail)

TD Bank and TD Canada Trust statements have unique formatting that generic PDF converters struggle with:

1. Dual Currency Formatting

TD Canada Trust shows amounts in CAD (Canadian dollars) while TD Bank US shows USD. Some statements include both when foreign transactions are involved:

01/20/26    PURCHASE - AMAZON.COM     $45.67 USD    $62.34 CAD

Data River automatically detects the primary currency and extracts the correct amount.

2. INTERAC and E-Transfer Labels

Canadian TD accounts show INTERAC purchases and e-Transfers with unique formatting:

INTERAC E-TRF SENT - JOHN SMITH    Reference: 12345678

Generic converters often split this across multiple rows or miss the reference number.

3. Pre-Authorized Debits (PADs)

TD labels recurring payments as "PAD" (Pre-Authorized Debit):

PAD - ROGERS COMMUNICATIONS         Monthly: 89.99

Data River preserves the merchant name and recurring flag.

4. Multi-Page Transaction Tables

TD statements often span 5-10 pages for active accounts, with transactions continuing across page breaks mid-table. Generic tools lose alignment at page boundaries.

5. Account Nicknames

If you've set account nicknames in TD EasyWeb (e.g., "Emergency Fund" for a savings account), this appears on the statement header. Data River captures this for proper account identification.

6. Cheque Images (Canadian Accounts)

TD Canada Trust statements sometimes embed cheque images next to transactions. Data River skips these images and extracts only the transaction data.

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TD Bank vs. TD Canada Trust: Key Differences

Data River handles both Canadian and US TD Bank statements automatically, detecting the correct date format and currency.

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Converting TD Bank Statements for QuickBooks

QuickBooks requires specific CSV formatting. Here's how to convert TD Bank statements for accounting software:

QuickBooks Desktop (QBO Format)

QuickBooks Desktop accepts QBO files (Quicken format) for bank imports. While Data River exports CSV, you can:

1. Convert TD Bank PDF to CSV using Data River
2. Import CSV into QuickBooks Online (supports CSV directly)
3. Or use a CSV-to-QBO converter if using QuickBooks Desktop

QuickBooks Online (CSV Import)

QuickBooks Online supports direct CSV import:

1. Go to Banking > Upload from File
2. Upload your Data River CSV
3. Map columns:
   • Date → Transaction Date
   • Description → Description
   • Withdrawals → Amount Out
   • Deposits → Amount In
4. Review and confirm import

Read our complete QuickBooks import guide →

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Converting TD Bank Statements for Xero

Xero accepts CSV imports with specific column mapping:

1. Upload your Data River CSV to Xero
2. Map columns:
   • Date → Date
   • Description → Payee
   • Withdrawals → Spent
   • Deposits → Received
3. Xero will auto-reconcile duplicate transactions if you're also using bank feeds

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Why TD Bank Changed Their CSV Format in 2025

In late 2025, TD Bank updated their CSV download format, which broke compatibility with some accounting tools:

Old Format (Pre-2025):

Date,Description,Debit,Credit,Balance
01/15/2025,PAYROLL,,2500.00,5500.00

New Format (2026):

Transaction Date,Posted Date,Description,Amount,Running Balance
01/15/2026,01/16/2026,PAYROLL,2500.00,5500.00

Changes:

• Added "Posted Date" column (when transaction cleared)
• Combined Debit/Credit into single "Amount" column (deposits positive, withdrawals negative)
• Renamed "Balance" to "Running Balance"

If you're using the CSV download method, update your QuickBooks/Xero import templates to match the new format. PDF conversion with Data River avoids this issue by always outputting a standardized CSV format.

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Handling Multi-Year TD Bank Statement Conversions

For tax preparation or annual reviews, you'll need to convert multiple statement PDFs and combine them:

Process:

1. Download all monthly PDFs for the period (e.g., January 2024 - December 2024)
2. Name consistently: TD_Checking_2024-01.pdf, TD_Checking_2024-02.pdf
3. Convert each PDF individually using Data River
4. Combine CSVs in Excel:

// In Excel, create a master workbook
// Import each CSV as a separate sheet, then combine:
='2024-01'!A2:E50
='2024-02'!A2:E50
='2024-03'!A2:E50

5. Add a "Month" column for filtering:

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Common TD Bank Conversion Errors and Fixes

Error: "INTERAC E-TRF" Transactions Split Across Multiple Rows

Problem: Generic converters split e-Transfer descriptions:

Row 1: INTERAC E-TRF SENT
Row 2: JOHN SMITH
Row 3: Reference: 12345678

Fix: Data River combines multi-line descriptions into a single row automatically.

Error: Foreign Currency Transactions Show Dual Amounts

Problem: Foreign purchases show both CAD and USD amounts, causing duplicate entries.

Fix: Data River extracts the account currency amount (CAD for TD Canada Trust, USD for TD Bank US), not the foreign merchant currency.

Error: PAD Transactions Missing Merchant Name

Problem: Pre-authorized debits show as "PAD" with no merchant detail.

Fix: Data River extracts the full description: "PAD - ROGERS COMMUNICATIONS" instead of just "PAD".

Error: Cheque Transactions Missing Cheque Number

Problem: Cheques show as "CHEQUE #1234" but number doesn't export to CSV.

Fix: Data River preserves cheque numbers in the description field.

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TD Bank Account Types and Statement Formats

Data River supports all TD Bank and TD Canada Trust account types:

TD Canada Trust Accounts:

• TD Every Day Savings Account - Transaction history with interest calculations
• TD Value Checking Account - Full transaction statements
• TD Cash Back Visa - Credit card statements with rewards tracking
• TD Aeroplan Visa - Points accumulation statements
• TD GIC (Guaranteed Investment Certificate) - Interest statements

TD Bank US Accounts:

• TD Convenience Checking - Basic checking statements
• TD Beyond Checking - Premium checking with relationship bonuses
• TD Simple Savings - Savings account statements
• TD Cash Credit Card - Credit card statements
• TD Double Up Credit Card - Rewards card statements

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Security: How Data River Protects Your TD Bank Statements

TD Bank statements contain sensitive financial data. Here's how Data River protects your information:

What We Don't Do

• Never send files to third-party APIs (OpenAI, Google Vision, etc.)
• Don't store statements after conversion - Files deleted immediately
• Don't use your data for training - Your financial data remains private
• Don't require bank credentials - You upload PDFs directly

What We Do

• Process locally with CPU-only OCR (no cloud AI services)
• Encrypt in transit - HTTPS for all uploads/downloads
• Auto-delete files - Purged after conversion completes
• Bank-grade security - Same encryption standards as TD Bank's online banking

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TD Bank Statement Retention Policy

TD Bank and TD Canada Trust store statements for 7 years in online banking. After that, you'll need to request archived statements from customer service.

How Long to Keep Statements:

• Personal tax records: 6 years (CRA requirement in Canada, 3 years IRS in US)
• Business records: 7 years
• Loan/mortgage applications: Keep until loan is paid off
• Dispute resolution: Keep recent 2 years accessible

Converting PDFs to Excel and storing them on a secure cloud drive (Google Drive, OneDrive, Dropbox) ensures you always have searchable records even after TD purges old statements.

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Frequently Asked Questions

Can I convert TD Bank credit card statements to Excel?

Yes. Data River handles both TD Bank checking/savings statements and credit card statements (TD Cash Back Visa, TD Aeroplan Visa, TD Cash Credit Card, TD Double Up). Credit card statements include purchase details, payment history, interest charges, and rewards summaries.

Does this work for TD Canada Trust statements in CAD?

Absolutely. Data River automatically detects Canadian vs. US TD Bank statements and handles CAD currency formatting, DD/MM/YYYY dates, INTERAC transactions, and e-Transfers specific to TD Canada Trust.

What if my TD statement is older than 18 months?

The CSV download method only works for the past 18 months. For historical statements, download the PDF from TD EasyWeb's statement archive (available for 7 years) and convert it using Data River.

Can I convert multiple TD Bank statements at once?

Yes, you can upload multiple PDFs sequentially. For bulk processing (e.g., 12 months of statements for annual tax prep), see our bulk conversion options.

Will this work with password-protected TD statements?

If your TD Bank PDF is password-protected, you'll need to unlock it first (usually by entering the last 4 digits of your account number or SSN/SIN). Data River can then convert the unlocked PDF.

Does the converter handle TD Bank cheque images?

Yes. TD Canada Trust statements often include cheque images next to transactions. Data River skips the images and extracts only the transaction data, preserving the cheque number in the description field.

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Summary

TD Bank and TD Canada Trust's 18-month CSV download limit makes PDF conversion essential for historical statements, tax preparation, and long-term financial analysis. Data River's AI-powered converter handles TD's unique formatting—INTERAC transactions, e-Transfers, PADs, dual currencies, and multi-page tables—delivering accurate Excel-ready CSVs in seconds.

Whether you're converting recent statements from TD Bank, historical records for tax filing, or preparing imports for QuickBooks or Xero, automated conversion saves hours compared to manual data entry while eliminating transcription errors.

Ready to convert your TD Bank statements? Try Data River for free →