Drop in a bank statement and every row is checked against the one before it. Altered amounts, deleted rows and inserted rows all break the running total — and this shows you exactly where.
It tells you whether the numbers are internally consistent. If someone changed an amount, or removed or added a row, without recalculating every balance after it, the check shows exactly where. A forger who recalculates everything produces a statement that passes — so a pass means the arithmetic is intact, not that the document is genuine.
Lenders and loan agents checking income proof, landlords checking a tenant’s statement, and CAs checking a client’s statement before relying on it. Anyone who receives a PDF they didn’t download themselves.
Yes. Enter the password when asked. It is used only to open the file and is never stored or logged.
Statements that print a running balance on each row — which includes nearly every Indian bank’s savings and current account statement. Credit card statements usually have no running balance, so there is nothing to check row by row.
No. It exists only for the length of the request and is never written to disk, logged, or sent to any third party.
More on spotting a doctored statement: how to check if a bank statement is fake.