LedgerMatch
PNC Bank CSV Export: Column Layout & Reconciliation Guide
PNC labels its amount columns "Withdrawals" and "Deposits" instead of the standard "Debit" and "Credit" — a naming difference that causes most import tools to leave the amount field blank or fail silently. PNC Virtual Wallet accounts make this worse by exporting three separate files (Spend, Reserve, Growth) that need to be reconciled individually. This tool recognises PNC's column names and correctly combines Withdrawals and Deposits into a single signed amount.
CSV format at a glance
- Date format: MM/DD/YYYY
- Amount layout: separate debit and credit columns
- Separate Withdrawals (money out) and Deposits (money in) columns.
Where to export the CSV
Sign in → Accounts → select account → Activity → Download → Comma-Delimited
Common import issues
- PNC labels its debit column "Withdrawals" and credit column "Deposits" — not "Debit" and "Credit" as most other banks do. Map Withdrawals → Debit and Deposits → Credit in LedgerMatch.
- PNC virtual wallet accounts (Spend/Reserve/Growth) each have separate CSVs. Download and reconcile each sub-account separately.
Useful setup tips
- Use LedgerMatch's split-column mode: Withdrawals → Debit Amount, Deposits → Credit Amount.
- If reconciling a PNC Virtual Wallet, treat the Spend account as your primary checking and the Reserve/Growth as separate entities.
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