Private bank statement checker
Open your statement privately in your browser. Checkam flags charges worth reviewing against documented CBN rules—without uploading your file.
Your statement is never sent, stored or shared.
Choose a CSV, Excel or text-based PDF statement. CSV and Excel usually give the cleanest result.
The file is scanned entirely inside your browser. It is never sent, stored or shared — you can even use this app offline.
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.
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.
Account type affects which charges are flagged as violations (e.g., maintenance fees are illegal on Savings accounts but permitted on Current accounts).
Pre-filled from your audit findings with the exact CBN citations. Fill in the bracketed details, print it on paper or send by email to your branch. If the bank does not resolve it within 14 days, escalate to the CBN Consumer Protection Department — cpd@cbn.gov.ng.