Two minutes at your bank, then drop the file.
Overpaid? reads two things: the spreadsheet version of your statement, a file that ends in .csv, and the Quicken version, which ends in .qfx or .ofx. Every bank offers at least one and most offer both; they just hide them under different names. If the spreadsheet is awkward to find, take the Quicken file instead. It is often the easier link and it reads more accurately, because the merchant name arrives in its own field rather than buried in a line of text. Nothing you download is uploaded anywhere: the file is read by your browser and stays on your device.
Where it lives
Where a bank offers both, either file works. The Quicken one is listed second only because more people know the word spreadsheet.
| Bank | Path |
|---|---|
| Chase | Accounts, then Download account activity. File type: CSV. |
| Bank of America | Open the account, Download transactions. File type: Microsoft Excel (CSV). |
| Wells Fargo | Account activity, Download. File type: Comma delimited. |
| Capital One | Open the account, Download transactions. File type: CSV. |
| Citi | Account details, Export. File type: CSV. |
| US Bank, PNC, Truist, TD | Account activity or Transactions, then Download or Export. Pick CSV or Excel. |
| Credit unions | Under the account history look for Export or Download. Pick CSV, Excel, or the Quicken option (.qfx). QuickBooks .qbo works too. |
| Rocket Money, Monarch, Copilot, YNAB | Settings, then Export transactions. One file for every account at once. |
How much to download
Three months is the best read: it tells the site which charges repeat and averages the ones that vary. One month works. A year is fine too, just slower.
Which accounts
Every account you pay bills from. If your phone, streaming and groceries go on a credit card, the checking statement only shows one line for the card payment, so drop the card statement too. Each drop adds to the audit; Clear everything on the audit page starts over.
If your bank only shows a PDF
Try the Quicken download first. Banks that bury the spreadsheet almost always still offer a file for Quicken or Microsoft Money, and Overpaid? reads it. Failing that, look again under Export, Download, or the account history menu; the spreadsheet option is usually one level deeper than the PDF. If it is truly not there, a budgeting app connected to that bank (Rocket Money, Monarch) will export a file for you. Reading PDFs directly is on the list, but it is not here yet.