How to Convert Truist Bank Statement to Excel or CSV (Former BB&T / SunTrust)

Truist Bank formed from the merger of BB&T and SunTrust in 2019, creating the 5th largest commercial bank in the United States with over 12 million customers. While Truist Online Banking offers CSV export for recent transactions, there are significant limitations—and in late 2025, Truist changed their CSV file layout, breaking compatibility with many accounting tools and Excel templates.

This comprehensive guide covers everything you need to know about converting Truist Bank statements to Excel, including the new CSV format changes, legacy BB&T and SunTrust statement formats, and PDF conversion for historical records.

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The Truist Bank CSV Format Change (Late 2025)

What Changed

In late 2025, Truist Bank updated their online transaction export CSV format, causing widespread compatibility issues:

Old Format (BB&T Legacy, Pre-2025):

Date,Description,Amount,Running Balance
01/15/2025,DIRECT DEPOSIT,2500.00,5500.00
01/16/2025,AMAZON PURCHASE,-47.99,5452.01

New Format (2026):

Transaction Date,Posted Date,Reference Number,Description,Amount,Balance
01/15/2026,01/16/2026,TXN123456789,DIRECT DEPOSIT,2500.00,5500.00
01/16/2026,01/17/2026,TXN987654321,AMAZON PURCHASE,-47.99,5452.01

Breaking Changes:

• ✅ Added "Posted Date" column (when transaction cleared vs. when initiated)
• ✅ Added "Reference Number" column (internal Truist transaction ID)
• ✅ Changed "Running Balance" to just "Balance"
• ⚠️ Combined Debits/Credits into single "Amount" column (withdrawals negative, deposits positive)

Impact: Many QuickBooks templates, Excel macros, and accounting tools expected the old 4-column format and now fail to import the new 6-column layout.

How to Handle the Format Change

Option 1: Update Your Import Templates If you're using QuickBooks, Xero, or custom Excel templates, update column mappings to match the new format.

Option 2: Convert PDF Statements (Recommended) PDF statements remain unchanged and provide more complete data. Data River's PDF conversion outputs a standardized CSV format that works across all accounting platforms, avoiding the CSV format compatibility issue entirely.

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Method 1: Download CSV from Truist Online Banking (Recent Transactions Only)

Truist Online Banking allows CSV download for visible account activity (typically 90-180 days), but not for full monthly statements:

Step 1: Log Into Truist Online Banking

1. Go to truist.com and click "Sign In"
2. Enter your User ID and Password
3. Complete multi-factor authentication

Step 2: View Account Activity

1. Select your account from the dashboard:
   • Truist One Checking
   • Truist Confidence Checking
   • Truist Student Checking
   • Truist Savings or Money Market Accounts
   • Truist Credit Card
2. Click "View Activity" or "Transactions"
3. Set your date range (limited to current statement period or recent months)

Step 3: Export to CSV

1. Click "Download" or "Export Transactions"
2. Select "CSV" format
3. Save the file with .csv extension

Step 4: Open in Excel

1. Open Excel or Google Sheets
2. Go to File > Open and select your downloaded CSV
3. Note: If using the new format (2026), you'll have 6 columns instead of 4

Limitations of This Method

• ❌ Recent transactions only - Typically 90-180 days, not full historical statements
• ❌ No statement metadata - Missing beginning balance, interest breakdown, fee summaries
• ❌ Format breaking changes - 2025 update broke many import templates
• ❌ Incomplete data - Doesn't include statement period dates or account summary

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Method 2: Convert Truist Bank PDF Statements to Excel (Recommended)

For complete historical records, full statement metadata, and consistent formatting regardless of Truist's CSV changes, PDF conversion is the best option:

Step 1: Download Your Truist Bank Statement PDF

1. Log into Truist Online Banking
2. Navigate to "Statements & Documents"
3. Select your account type:
   • Checking (Truist One, Confidence, Student)
   • Savings (Truist Savings, Money Market)
   • Credit Cards
   • Business Accounts
4. Choose the statement period (monthly statements available for 7 years)
5. Click "View PDF" and download

Legacy Statements:

• BB&T statements (pre-merger, before December 2019)
• SunTrust statements (pre-merger, before December 2019)
• Truist statements (post-merger, December 2019+)

Step 2: Upload to Data River

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

Step 3: Download Your Excel File

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

Output Format:

Advantages:

• ✅ Works with any statement date (including legacy BB&T/SunTrust)
• ✅ Consistent format regardless of Truist's CSV changes
• ✅ Includes full statement metadata (period dates, balances, fees)
• ✅ Handles multi-page statements with complex tables

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Truist Bank Statement Format Quirks

Truist, BB&T, and SunTrust statements have unique formatting challenges:

1. Legacy BB&T and SunTrust Branding

Even though the merger occurred in 2019, many customers still have old BB&T or SunTrust PDF statements stored for tax or audit purposes.

Challenges:

• BB&T statements use different header formatting than Truist
• SunTrust statements have a distinct transaction table layout
• Mixed branding period (2019-2021): Some statements show "BB&T, now Truist" or "SunTrust, now Truist"

Data River Solution: Automatically detects BB&T, SunTrust, or Truist formatting and applies the correct parsing rules.

2. Multi-Account Statements

Truist customers with multiple linked accounts (checking + savings + credit card) sometimes receive combined statements showing all accounts in one PDF.

Problem: Generic converters merge all accounts into a single transaction list.

Data River Solution: Separates each account section and adds an "Account Type" column for filtering in Excel.

3. Interest Calculation Tables

Savings and Money Market accounts include interest calculation summaries:

Interest Summary:
Average Daily Balance:  $12,456.78
Interest Rate:          0.03% APY
Interest Earned:        $3.74

Problem: Generic tools either skip this or create fake transactions from the calculation rows.

Data River Solution: Captures the final "Interest Earned" as a deposit transaction while ignoring calculation intermediates.

4. Overdraft Protection Transfers

Truist's overdraft protection automatically transfers funds from linked savings to cover overdrafts:

01/16/26    OVERDRAFT TRANSFER FROM SAVINGS    250.00    Debit
01/16/26    OVERDRAFT TRANSFER TO CHECKING     250.00    Credit

Problem: These appear as separate transactions but are actually a single event. Generic converters count this twice.

Data River Solution: Identifies paired overdraft transfers and preserves them as distinct entries (since they affect both accounts) but flags them with matching reference notes.

5. Check Images (Business Accounts)

Truist Business Checking statements embed check images next to each check transaction.

Problem: Images interrupt table structure, causing generic converters to lose alignment.

Data River Solution: Skips images and extracts only transaction data, preserving check numbers.

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Converting Legacy BB&T and SunTrust Statements

If you need to convert old BB&T or SunTrust statements (pre-merger, before December 2019):

BB&T Statements (Before 2019)

Statement Characteristics:

• Header: "Branch Banking and Trust Company" or "BB&T"
• Transaction table typically on page 2-3
• Daily Balance column included
• Check images for business accounts

Data River Compatibility: ✅ Fully supported

SunTrust Statements (Before 2019)

Statement Characteristics:

• Header: "SunTrust Bank"
• Account summary on first page
• Multi-page transaction tables
• Interest calculations for savings accounts

Data River Compatibility: ✅ Fully supported

Transition Period Statements (2019-2021)

During the merger transition, statements showed dual branding:

• "BB&T, now Truist"
• "SunTrust, a Truist Company"

Data River Compatibility: ✅ Fully supported - automatically detects hybrid formats

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Converting Truist Statements for QuickBooks

Truist's CSV format change broke many QuickBooks import templates. Here's the fix:

QuickBooks Desktop (QBO Format)

QuickBooks Desktop requires QBO files. Options:

1. Convert Truist PDF to CSV using Data River (standardized format)
2. Import CSV to QuickBooks Online (which accepts CSV directly)
3. Use CSV-to-QBO converter for 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 (Data River format is consistent):
   • Date → Transaction Date
   • Description → Description
   • Withdrawals → Amount Out
   • Deposits → Amount In
4. Review and confirm import

Avoiding the 2025 CSV Format Issue: By using Data River's PDF conversion, you bypass Truist's new 6-column CSV format entirely. Data River outputs a clean 5-column format that works with all QuickBooks templates.

Read our complete QuickBooks import guide →

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Converting Truist Statements for Excel Checkbook Register

Some users integrate Truist transactions with Excel Checkbook Register templates. Here's how:

Process:

1. Convert Truist PDF to CSV using Data River
2. Open your Excel Checkbook Register template
3. Import CSV data:
   • Excel 2016+: Data > Get Data > From Text/CSV
   • Select your Data River CSV
   • Map columns to Checkbook Register format (Date, Payee, Payment, Deposit, Balance)
4. Review imported transactions and reconcile

Why PDF conversion works better than Truist CSV:

• Data River's output matches traditional checkbook register column layout
• Truist's new 6-column CSV requires manual reformatting
• PDF conversion includes full statement period for accurate reconciliation

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Converting Truist Statements for Xero

Xero accepts CSV imports with column mapping:

1. Upload your Data River CSV to Xero
2. Map columns:
   • Date → Date
   • Description → Payee
   • Withdrawals → Spent
   • Deposits → Received
3. Xero auto-reconciles duplicates if using bank feeds

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Truist Business Accounts: Additional Complexity

Truist Business Checking and Business Money Market accounts have more complex statements:

Business-Specific Features:

• Earnings Credits - Fee offsets based on average balance
• Analysis Charges - Per-transaction fees (checks, deposits, ACH)
• Remote Deposit Capture - Scanned check batches
• Sweep Accounts - Automated transfers to maximize interest

Conversion Challenges:

• Fee calculation tables span multiple pages
• Earnings credit formulas shown separately from transactions
• Check image grids interrupt transaction flow (for imaged check deposits)
• Multi-day transaction batches (e.g., all Monday deposits listed together)

Data River Solution: Business statement parsers handle:

• Extraction of transactions while skipping check images
• Separation of analysis fees from transaction fees
• Proper handling of sweep account transfers (in/out on same day)
• Check batch detail extraction

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Common Truist Statement Conversion Errors and Fixes

Error: New CSV Format Won't Import to QuickBooks

Problem: Truist's 2026 6-column CSV format breaks QuickBooks templates expecting 4 columns.

Fix: Use PDF conversion instead. Data River outputs a standardized 5-column format compatible with all accounting software.

Error: Overdraft Transfers Counted Twice

Problem: Overdraft protection creates two matching transactions (withdrawal from savings, deposit to checking) that generic tools count separately, doubling the transfer amount.

Fix: Data River preserves both transactions (since they affect different accounts) but flags them with matching reference notes so you can reconcile properly.

Error: BB&T Legacy Statements Fail to Convert

Problem: Old BB&T PDF statements (pre-2019) use different formatting than Truist, causing generic converters to fail.

Fix: Data River automatically detects BB&T, SunTrust, or Truist formats and applies the correct parser.

Error: Interest Calculation Appears as Fake Transactions

Problem: Interest rate tables export as rows:

01/31/26, Average Daily Balance, 12456.78, ,
01/31/26, Interest Rate, 0.03, ,

Fix: Data River extracts only the final Interest Earned amount as a deposit.

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Truist Account Types and Statement Formats

Data River supports all Truist account types:

Personal Checking:

• Truist One Checking (no monthly fee with direct deposit)
• Truist Confidence Checking (overdraft fee alternative)
• Truist Student Checking

Personal Savings:

• Truist Savings
• Truist Money Market Account

Business Accounts:

• Truist Business Checking
• Truist Business Money Market
• Truist Treasury Management Accounts

Credit Cards:

• Truist Enjoy Cash Credit Card
• Truist Enjoy Travel Credit Card
• Truist Enjoy Beyond Credit Card

Legacy Accounts (BB&T / SunTrust):

• BB&T Bright Banking
• BB&T Fundamentals Checking
• SunTrust Select Checking
• SunTrust Signature Advantage

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Bulk Conversion: Processing Multiple Truist Statements

For annual tax prep or multi-year analysis:

Process:

1. Download all monthly PDFs for the period (January-December)
2. Name consistently: Truist_Checking_2024-01.pdf, Truist_Checking_2024-02.pdf
3. Convert each PDF individually using Data River
4. Combine CSVs in Excel:

// Create master workbook, import each CSV as sheet, combine
='2024-01'!A2:E50
='2024-02'!A2:E50
='2024-03'!A2:E50

5. Add "Month" column for filtering and pivot tables

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Security: How Data River Protects Your Truist Statements

Truist 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 Truist Online Banking

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Frequently Asked Questions

How does the 2025 CSV format change affect me?

If you're using QuickBooks, Excel templates, or accounting software that expects Truist's old 4-column CSV format, imports will fail with the new 6-column layout. The easiest fix is to convert PDF statements instead—Data River outputs a standardized format that works across all platforms regardless of Truist's changes.

Can I convert old BB&T or SunTrust statements?

Yes. Data River automatically detects legacy BB&T and SunTrust statement formats (pre-2019 merger) and converts them accurately. This is useful for tax preparation requiring 3-7 years of historical statements.

Does this work for Truist Business Checking statements?

Absolutely. Data River handles Truist Business accounts including analysis fees, earnings credits, check images, remote deposit capture batches, and sweep account transfers.

Can I convert Truist credit card statements?

Yes. Data River supports Truist credit cards (Enjoy Cash, Enjoy Travel, Enjoy Beyond), extracting purchases, payments, fees, interest charges, and rewards summaries.

What's the best way to import Truist statements into QuickBooks Online?

Convert the PDF using Data River (avoiding the CSV format compatibility issue), then upload the CSV to QuickBooks Online via Banking > Upload from File. Map columns and review transactions before finalizing.

How far back can I convert Truist statements?

You can convert any Truist, BB&T, or SunTrust statement you've downloaded, regardless of age. Truist Online Banking provides 7 years of statements. For older records, contact Truist customer service to request archived PDFs.

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Summary

Truist Bank's late-2025 CSV format change broke compatibility with many accounting tools, making PDF conversion the more reliable option for getting transaction data into Excel, QuickBooks, or Xero. Data River handles Truist's unique challenges—legacy BB&T and SunTrust formats, multi-account statements, overdraft protection transfers, interest calculations, and business account complexity—while outputting a standardized CSV that works across all platforms.

Whether you're converting recent Truist statements, legacy BB&T or SunTrust records, or business checking for QuickBooks, automated PDF conversion eliminates manual data entry, avoids CSV format compatibility issues, and ensures accuracy for financial reconciliation and tax preparation.

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