# 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 --- 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... ## Frequently Asked Questions ### How do I connect this workflow to my local agent like OpenClaw or Claude Code? You can install the local MCP server by opening a terminal and running: ``` npm install -g @agentpmt/mcp-router agentpmt-setup ``` This will connect you to local agents like Claude Code, Windsurf, Grok Build, Cursor, etc. Alternatively you can connect to the hosted version with this config block, no installation required: ``` { "mcpServers": { "agentpmt": { "type": "streamable-http", "url": "https://api.agentpmt.com/mcp", "headers": { "Authorization": "Bearer ", "x-instance-metadata": "{\"client\":\"generic-mcp\",\"platform\":\"remote\"}" } } } } ``` [View MCP Connection Instructions](/docs/mcp-reference/connection) for more details. ### How do I trigger this workflow? You can use it here in the browser by clicking the 'Try It' button. If you 'star' the workflow it will save to your dashboard for quick access. To use the workflow in an external agent, make sure you have followed the steps to connect it to the MCP server and then copy / paste this prompt, or just tell it to use the AgentPMT MCP server and use this workflow. > Call the AgentPMT-Workflow-Skills tool with action 'get\_workflow\_skill' and skill\_id 69916466aa85db8efed1342f ("Bank Statement OCR and Account Reconciliation").