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Bank Statement Template

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BANK STATEMENT TEMPLATE

RECITALS

WHEREAS, Bank Name: is a depository institution authorized to provide account custodial and statement services; and

WHEREAS, Client Name: maintains the account identified below and requires an official record of transactions and balances for the Statement Period beginning and ending ; and

WHEREAS, the parties desire to document the content, format, delivery, and certification of the Bank Statement in accordance with the terms set forth herein.

ACCOUNT AND STATEMENT DETAILS

Account Type:

Opening Balance: $

Closing Balance: $

TRANSACTION SUMMARY

The following table is the official transaction record for the statement period set forth above. Amounts are recorded in the account currency.

Date Description Withdrawals ($) Deposits ($) Balance ($)

SCOPE OF STATEMENT SERVICES

The bank shall prepare and deliver the Bank Statement in the format and frequency specified below. The statement shall include transaction details, balances, and any annotations required by applicable banking regulations.

PAYMENT TERMS

The Client agrees to pay the Bank any fees associated with the preparation, certification, and delivery of the statement copy as set forth below.

TERM AND TERMINATION

This Statement Service arrangement commences on the Start Date and continues until the End Date unless earlier terminated in accordance with this section.

Start Date:

End Date:

Notice Period for Termination:

Either party may terminate this arrangement for material breach if the breaching party fails to cure within the Notice Period after receipt of written notice. Termination does not relieve Client of obligations accrued prior to termination.

CONFIDENTIALITY

All information contained in the Bank Statement is confidential and shall not be disclosed by the receiving party except to the extent required by law or with the prior written consent of the disclosing party. The receiving party shall use at least the same degree of care to protect confidential information as it uses to protect its own confidential information, but in no event less than reasonable care.

Acknowledgement of confidentiality obligations: Client acknowledges and agrees to confidentiality terms

GOVERNING LAW

This template and any dispute arising out of or relating to it shall be governed by and construed in accordance with the laws of:

ENTIRE AGREEMENT

This Bank Statement Template, together with any attached schedules and executed amendments, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals, or communications, whether written or oral.

CERTIFICATION

The undersigned authorized representative of the Bank certifies that the transactions and balances set forth in this Statement are true, correct, and complete to the best of the Bank's knowledge and that this Statement is issued under the Bank's corporate seal where applicable.

Bank (Printed Name):

By:

Date:

Client (Printed Name):

By:

Date:

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What the Bank Statement Template Is and when it’s used

A Bank Statement Template is a standardized, fillable record that summarizes account activity for a specified period and provides a consistent format for third parties to review balances, deposits, withdrawals, and ending balances. Organizations use templates to collect uniform data for loan applications, visa/immigration evidence, rental screening, internal audits, or reconciliation tasks. A clear template reduces back-and-forth with banks or applicants by specifying required fields, date ranges, and acceptable supporting documents, and it can be distributed electronically or printed for manual completion.

Why a consistent Bank Statement Template matters

A consistent template improves accuracy, speeds review, and reduces requests for clarification by defining required fields, acceptable date ranges, and supporting documents. Using a template helps organizations meet compliance and underwriting standards while making it easier to compare accounts across applicants.

Why a consistent Bank Statement Template matters

Organizations and people who commonly use this template

The Bank Statement Template is used by both individuals and organizations that must demonstrate cash flow, asset availability, or transaction history to a third party.

  • Loan officers and mortgage underwriters who verify income and reserves for lending decisions.
  • Immigration applicants and attorneys submitting proof of funds for visas or petitions.
  • Property managers and landlords screening rental applicants for payment ability.

Choose the template variant that matches your use case—loan underwriting, immigration, rental, or internal accounting—and include required supporting items to reduce processing delays.

Who can sign bank-statement attestations

Account Holder

The primary account holder or authorized signer must complete or attest to the accuracy of a bank statement copy; their signature binds them to any attestation about the statement contents and may be required for notarization or certified bank statements.

Bank Official

A bank officer or authorized representative can authenticate and stamp a statement to provide a certified copy; some recipients specifically require a bank-stamped or signed statement rather than a self-attested photocopy.

Core elements to include in a professional Bank Statement Template

A professional template organizes account details so reviewers can quickly confirm identity, period, and activity. Include clear headings and designated fields for bank verification to minimize manual follow-up and ensure consistent submissions.

Account identification

Bank name, branch address, account number (last four digits for privacy), and account type so the reviewer can identify the record source and avoid confusion with similarly named accounts.

Statement period

Start and end dates of the statement period; lenders and verifiers commonly request consecutive months and recent 30–90 day windows.

Transaction summary

Date, description, credit/debit amounts, and running balance to show cash flow and recurring income or large anomalies requiring explanation.

Opening and closing balances

Clearly labeled opening and closing balances for the period to make reserve or liquidity calculations straightforward for reviewers.

Certification block

Signed attestation and printed name, relationship to account, and date for any self-attested statement or bank official signature for certified copies.

Supporting items

Fields for attachments such as deposit slips, bank cover letters, or stamped bank copies when the requester requires additional verification.

Step-by-step: preparing and delivering a bank statement

Use these steps to gather, verify, and deliver a bank statement that meets common third-party requirements and minimizes follow-up.

  • 01
    Collect original: Obtain the official PDF from the bank or a stamped paper statement.
  • 02
    Complete template: Fill required fields exactly and attach supporting items.
  • 03
    Authenticate if required: Obtain bank stamp, notary, or RON session as requested by the recipient.
  • 04
    Deliver securely: Send via secure portal, encrypted email, or approved eSignature workflow.

Typical flow for electronic submission and verification

This sequence shows a common eSubmission lifecycle from collection to reviewer verification for a bank statement delivered electronically.

  • Upload statement: Sender uploads bank PDF or completed template to a secure platform.
  • Place validation fields: Add signature/date and required checkboxes for attestations.
  • Sign and authenticate: Signer completes signature; platform records authentication details.
  • Share with recipient: Deliver signed PDF and audit trail to the requester for review.

Typical online configuration for a bank statement workflow

Set these fields when creating an electronic workflow to collect and verify bank statements through an eSignature platform.

Field Configuration
Signature field Required; signer must sign and date inline
Attachment field Allow PDF upload for original bank statement
Authentication Email + SMS code recommended for identity assurance
Audit trail Enable capture of IP, timestamp, and actions

Technical considerations for digital signing and submission

Ensure the platform supports the file types and authentication methods required by your recipient before you begin.

  • File formats: PDF, DOCX, HTML supported
  • Integrations: Salesforce, NetSuite, Microsoft 365
  • Authentication: Email, SMS code, KBA optional

Use a platform that preserves an auditable certificate of completion, stores the signed file securely, and integrates with your document repository to prevent version drift.

Timing expectations for providing bank statements

Different recipients set different recency and coverage requirements. Prepare documents promptly to avoid application delays.

Lender recency:

Often requests the most recent 60–90 days of statements

Immigration proof:

Commonly asks for 3–6 months of statements to show sustained funds

Rental screening:

Property managers typically request the most recent 1–3 months

Audit requests:

Provide statements within the timeframe specified by the auditor

Bank turnaround:

Official bank-certified copies are often available within 1–5 business days

Key milestones in processing a bank statement request

A typical timeline includes stages from initial request through verification and final acceptance by the recipient.

01

Request Received

Requester specifies period and any authentication needs

02

Document Collection

Account holder obtains bank PDF or certified copy

03

Authentication Step

Bank stamp, notary, or RON session completed if required

04

Submission and Review

Recipient reviews and either accepts or requests further detail

Common mistakes to avoid when preparing bank statements

  • Submitting screenshots or cropped images that lack header, account number, or bank identification.
  • Providing out-of-range dates or nonconsecutive periods that prevent verification of ongoing cash flow.
  • Failing to include a certification block or bank stamp when the recipient explicitly requires an authenticated copy.
  • Using inconsistent names or abbreviations that do not match the bank record or government ID.

Risks and consequences of incorrect or incomplete statements

Application delays: Processing may be paused
Rejection: Request may be denied
Fraud flag: Mismatch may trigger investigation
Financial penalty: Late fees from lenders
Visa impact: Immigration requests may be prolonged
Audit exposure: Additional scrutiny by auditors

Essential data points to include on the template

Bank name: Official bank name
Account holder: Full legal name
Account number: Last four digits or full per request
Statement dates: Start and end (MM/DD/YYYY)
Opening balance: Beginning period balance
Closing balance: Ending period balance

eSignature pricing and capability snapshot relevant to bank statement workflows

Pricing and plan features vary; below is a concise comparison to help evaluate common factors for signing and distributing bank statements electronically.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes Yes Varies Yes Varies
Audit Trail Yes Yes Yes Yes Yes
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Frequently asked questions about using a Bank Statement Template

Answers to common questions about acceptable formats, authentication, and digital submission of bank statements when used for lending, immigration, or verification.


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Real-world examples of how this template is used

Two concise scenarios illustrate typical uses and the outcomes organizations aim to achieve when standardizing bank statement submissions.

Mortgage Underwriting

A borrower provides three months of consecutive statements via an online portal

  • Lender requests bank-stamped copies for one account
  • The borrower uploads certified PDFs and the loan underwriting proceeds without additional information requests due to complete documentation and audit trail.

Immigration Proof of Funds

An applicant submits six months of statements to demonstrate sustained savings

  • Consulate requires notarized certification for the final month
  • Applicant obtains a bank-certified PDF and a notarized affidavit, meeting the consulate’s evidence standards and avoiding processing delays.

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