Checkam — Check Your Bank Statement Privately

Private. Clear. Simple.

Check your bank charges.

About Checkam

Open your statement privately in your browser. Checkam flags charges worth reviewing against documented CBN rules—without uploading your file.

Never uploaded CBN-rule checks Clear findings

Scanning locallyYour statement never leaves this device.

How it works

Simple. Private. Useful.

1
OpenSelect a statement on your device.
2
CheckCheckam reviews charges in your browser.
3
UnderstandSee what is proven and what needs review.

Your statement file is never uploaded or shared.

Built for real accounts

Who should use Checkam?

Useful for anyone responsible for money moving through a bank account.

SME owners

Know how much your bank is charging your business.

Accountants

Audit client bank charges faster.

Churches & mosques

Review high-volume donation accounts.

Schools

Check fees collection and bank deductions.

Cooperatives

Audit member contribution accounts.

NGOs

Improve financial transparency.

Political campaign accounts

Monitor campaign account deductions.

POS operators

Track repeated bank and transfer charges.

Your account

Account help

This helps Checkam apply the right rules. If you are unsure, your statement usually shows the account type near the account number.

Savings: no maintenance fee allowed.
Current: CAMF capped at ₦1 per ₦1,000.
Domiciliary: foreign currency account.
Business and government: corporate cash-handling thresholds.

Account type

Savings Current Domiciliary

Bank / tariff profile

Bank profile help

Pick the bank if you know it. Checkam still applies the CBN Guide first, then compares against that bank's captured online tariff presentation where available.

Search banks

Profile sources

CBN baseline only until a bank is selected.

Account holder

Individual Business / Corporate Government / MDA

Salary account

Salary account rules

Salary accounts are exempt from the ₦50 electronic transfer levy/stamp duty — any levy charged becomes refundable.

Open your statement

Supported statements

Choose a CSV, Excel or text-based PDF statement. CSV and Excel usually give the cleanest result.

Choose statement

Never uploaded

CSVXLSXXLSPDF

Scan complete

Audit report

How checks work

Every verdict below carries its arithmetic and the exact CBN provision it rests on. Where the statement alone cannot prove a charge right or wrong, the auditor says so instead of guessing.

Read confidence

Statement details

View full analysis

View cross-checks

Rules that cannot be judged one charge at a time — recomputed across the whole statement: the ₦1/mille maintenance cap from your actual turnover, levy counts against qualifying transfers, monthly ATM allowances and quarterly card fees.