Does Cash Workspace pull my statements from the bank?

No. There is no bank connection. You download each statement from your bank or card account and upload the file into the folder yourself.

How should I name statement files?

By account and month, like Checking-2025-03.pdf, so the account and period read at a glance and the folder stays in order.

What if a month is missing?

Download it from the bank and upload it before handoff. Checking that all twelve months are present for each account prevents a stalled reconciliation later.

Cash Workspace

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Accountant handoff · Statements

A bank statement folder your accountant can reconcile

Accountants reconcile against statements, and a missing month stalls the whole close. The fix is a single folder of monthly bank and card statement documents you've uploaded, named by account and month within the fiscal year, so every period is present and in order. Cash Workspace gives you that folder — you download each statement from your bank and upload the file yourself; nothing connects to your bank.

Start a free workspace See the fiscal-year folder structure

The problem

Why statements arrive incomplete

Statements are downloaded ad hoc and saved with whatever name the bank used. Months go missing and accounts blur together.

A month is missing and nobody notices until reconciliation stalls.
Statements from two accounts are saved with identical default names.
Files are named 'statement (3).pdf', so the period is impossible to read.
Card statements and bank statements are mixed in one undivided folder.
Some months sit in email and never made it into the folder.

The workflow

Build the statement folder

Download each statement, name it clearly, and file it by account and month so no period is missing.

1
List your accounts
Note every business bank and card account, and create a sub-folder for each within the fiscal year.
2
Download each statement
Download the monthly statement PDF from each account yourself — Cash Workspace does not connect to your bank.
3
Name it consistently
Rename each file by account and month, e.g. Checking-2025-03.pdf, so the period reads at a glance.
4
Upload and file
Upload each statement into its account sub-folder under the fiscal year.
5
Check for gaps
Confirm all twelve months are present for every account before you export the folder.

Record structure

What to note for each statement

A consistent label per statement keeps every period findable and ordered.

Account name: The account the statement belongs to — Checking, Savings, Business Card.
Account type: Bank or card, so they group separately.
Statement month: The period the statement covers, used in the file name.
Fiscal year: Which year's folder the statement belongs in.
Statement document: The uploaded statement PDF itself.
Page count or note: A short note flagging anything unusual, like a replaced or corrected statement.

Example setup

An example statement folder

One way to lay out uploaded statements so every period is in order.

Checking — 2025

Twelve monthly statements named Checking-2025-01 through Checking-2025-12.

Business card — 2025

Twelve monthly card statements named Card-2025-01 through Card-2025-12.

Savings — 2025

Monthly or quarterly savings statements named by account and period.

Notes

A short note flagging any replaced statement or a month the bank issued late.

Common mistakes

Mistakes to avoid

Leaving the bank's default file names, so periods are unreadable.
Mixing bank and card statements in one folder.
Skipping a month and not noticing until reconciliation.
Saving statements in email instead of the folder.
Expecting the statements to appear automatically — you upload each one.

How it helps

How Cash Workspace helps

One folder per account

Keep each account's uploaded statements in its own sub-folder within the fiscal year.

Consistent naming

Name each statement by account and month so the accountant finds any period instantly.

Export every period

Export the complete statement folder so the accountant has each month in order for reconciliation.

Fiscal-year folder structure

Where statements fit in the full year's folder layout.

Document naming convention

A naming system that keeps statement files readable.

Proof-of-payment folder

Tie statement lines to the payments they confirm.

Year-end folder structure

How statements sit alongside income and expense records.

All finance workflows

Browse the full Cash Workspace workflow library.

FAQ

Statement folder FAQ

Does Cash Workspace pull my statements from the bank?: No. There is no bank connection. You download each statement from your bank or card account and upload the file into the folder yourself.
How should I name statement files?: By account and month, like Checking-2025-03.pdf, so the account and period read at a glance and the folder stays in order.
What if a month is missing?: Download it from the bank and upload it before handoff. Checking that all twelve months are present for each account prevents a stalled reconciliation later.

Organizing help — not tax, accounting, or legal guidance

Cash Workspace is a free workspace for organizing invoices, expenses, receipts, clients, and documents. This page is organizing guidance only — not tax, accounting, legal, or bookkeeping guidance. Cash Workspace does not connect to your bank, does not scan or read your receipts for you, and does not move or collect payments. Whether an expense is deductible depends on your situation, so confirm it with a qualified accountant or tax professional.

Give your accountant every period in order

Start a free workspace and file each uploaded bank and card statement by account and month within the fiscal year so your accountant has every period ready to reconcile.