LedgerMatch
TD Bank CSV Export: Column Layout & Reconciliation Guide
TD Bank prepends a title row — "Account Activity for Account #XXXXX" — before the actual column headers, so the real header row is treated as data and every column is mapped to the wrong field. Split Debit and Credit columns add a second problem: QuickBooks needs a single signed Amount, not two separate columns. This tool automatically skips the title row and merges Debit/Credit into one signed amount column.
CSV format at a glance
- Date format: MM/DD/YYYY
- Amount layout: separate debit and credit columns
- Separate Debit (withdrawals) and Credit (deposits) columns.
Where to export the CSV
Sign in → Accounts → select account → Download → CSV
Common import issues
- TD Bank has TWO structural problems in one file: a title row before the headers AND split Debit/Credit columns. Most import tools fail on the first problem alone; fixing only one leaves the second broken.
- TD Bank descriptions are often very short (e.g. "POS PURCHASE") — the full merchant name may not appear. Cross-reference with your TD app for full details.
- The file sometimes includes a title row at the very top ("Account Activity") before the actual header row. Skip this row in LedgerMatch's column mapper.
- TD Bank business accounts export the same column structure as personal accounts — but may include additional rows for service charges that post on the last day of the statement period.
Useful setup tips
- Map Debit → Debit Amount and Credit → Credit Amount using LedgerMatch's split-column mode.
- Skip the Balance column — it is not needed and can confuse the matching engine if accidentally mapped as Amount.
- After importing, search your exception queue for "SERVICE CHARGE" rows — TD Bank posts monthly fees at month-end and they are easy to miss in a split-column format.