# Bank Statement OCR and Account Reconciliation

> Automates bank account reconciliation in Zoho Books. Accepts bank statement files (PDF, images, scans) from the user, uploads them to File Management, runs OCR to extract transaction data, then cross-references extracted transactions against unmatched bank feed transactions in Zoho Books. For each unmatched transaction, finds potential matching records (expenses, invoices, payments) and reconciles them. Generates a reconciliation summary and notifies the user when complete.

Content type: workflow
Source URL: https://www.agentpmt.com/agent-workflow-skills/bank-statement-ocr-and-account-reconciliation
Markdown URL: https://www.agentpmt.com/api/agent/workflows/bank-statement-ocr-and-account-reconciliation?format=agent-md
Updated: 2026-03-27T02:09:31.644Z
Author: firef1ie

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Estimated time saved: 45 minutes.

## Tools

- File Management
- Document OCR Agent
- Zoho Books

## Workflow Outline

1. Request Bank Statements and Account: Goal: Ask the user to provide bank statement files and identify which Zoho Books bank account these statements belong to | Inputs: None - this is the first step of the workflow | Outputs: Bank statement files (PDFs, ima...
2. Upload Statements to File Management: Upload each bank statement file with File Management using action 'upload_standard'. Record the returned file_id values for each uploaded statement, as these will be passed to the...
3. OCR Bank Statements: Send each uploaded bank statement to the Document OCR Agent using document_type 'bank_statement' for specialized extraction. Extract all transaction data including: transaction da...
4. Parse OCR Data into Transaction List: Goal: Parse the raw OCR-extracted bank statement data into a clean, structured list of individual transactions | Inputs: Raw OCR output from the bank statement including extracted text, entities, and line items | Output...
5. List Uncategorized Bank Transactions in Zoho: List the uncategorized (unmatched) bank transactions in Zoho Books for the bank account the user specified. Use action 'list_records' with resource 'banktransactions' and filter b...
6. Cross-Reference and Identify Matches: Goal: Cross-reference the OCR-extracted bank statement transactions against the uncategorized Zoho Books bank feed transactions to identify matching pairs ready for reconciliation | Inputs: 1) Structured list of transac...
7. Reconcile Each Matched Transaction: Repeat this section for each matched_transaction. Iterate through each confidently matched transaction pair. For each one, look up potential matching records in Zoho Books and execute the r...
8. Get Matching Records from Zoho Books: For the current uncategorized bank transaction, use action 'bank_get_matching_transactions' with the transaction's record_id to find existing Zoho Books records (expenses, invoice...
9. Generate Reconciliation Summary: Goal: Generate a clear reconciliation summary report showing what was matched, what was flagged, and what remains unmatched | Inputs: Results from all reconciliation attempts: successful matches, skipped/ambiguous trans...
10. Evaluate and Select Best Match: Goal: Evaluate the potential matching records returned by Zoho Books and select the best match for reconciliation | Inputs: List of potential matching records from bank_get_matching_transactions, plus the original bank...
11. Notify Reconciliation Complete: Send a other request to a human. Bank account reconciliation is complete. A reconciliation summary has been generated showing all matched, flagged, and unmatched transactio...
12. Reconcile Transaction in Zoho Books: Execute the reconciliation using action 'bank_match_transaction'. Pass the uncategorized bank transaction's record_id and the payload containing the selected matching record: {"tr...