Zions Bank · Month-End Cutoff Split

    Zions Bank statement cutoff for bank reconciliation

    A Zions Bank statement follows the bank's own cycle — and that cycle almost never ends on calendar month-end. EasyStatementSheet turns one Zions Bank PDF into two files: a pre-cutoff file for the current-period reconciliation and a post-cutoff outstanding/in-transit file, so month-end ties out on the first try.

    Worth knowing: cycle dates at Zions Bank can differ by account type. Always anchor the cutoff to your book close date (calendar month-end) rather than the statement date.

    See how Period-End Cutoff Export works →

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    Format:

    Everything runs in memory — your file is never saved anywhere. How that works

    Splitting a Zions Bank statement, step by step

    1. Drop in the Zions Bank statement PDF and STE figures out the statement period automatically.
    2. Switch on Period-End Cutoff Export, then point the cutoff at your month-end.
    3. Grab both downloads: the pre-cutoff file plus the post-cutoff OUTSTANDING file (it includes a Cutoff Status column).

    Why does my Zions Bank statement end mid-month instead of at month-end?

    Because Zions Bank closes statements on its own billing cycle — frequently anchored to the day the account was opened — rather than on the calendar month. That's how you end up with a statement running the 4th of one month through the 3rd of the next, straddling your close. The fix: reconcile to your book close date and record the overlap as a cutoff adjustment.

    What's the right way to split a Zions Bank statement at month-end?

    Pick the calendar month-end that falls inside the statement period as your cutoff. Everything dated through that day goes into the current-period reconciliation; everything dated after is outstanding/in-transit and moves to the next period. EasyStatementSheet handles the mechanics for you — upload the Zions Bank PDF, choose the cutoff, and grab both files.

    Will QuickBooks take the Zions Bank cutoff file?

    It will — the pre-cutoff file uses the standard column layout QuickBooks Online expects under Banking → Upload transactions. If you'd rather import a native .qbo file, head to the Zions Bank QBO page.

    Need a cutoff split for another bank?

    →Ally Bank cutoff→American Express cutoff→Associated Bank cutoff→Bank of America cutoff→BMO Harris Bank cutoff→Capital One cutoff→Charles Schwab Bank cutoff→Citibank cutoff
    ← About Period-End Cutoff ExportZions Bank to QBOHow zero-retention works