Free AI Bank Statement Checker
Detect fake bank statements instantly. Upload a statement and our AI checks for balance errors, formatting issues, and manipulation artifacts.
Drop a bank statement here to scan for fraud signals
Drag and drop or click to select · JPG, PNG, or PDF · Max 10MB
What we check
The perfect bank statement fraud scan
Our AI runs dozens of checks in seconds. Here's what it looks for.
Visual analysis
Font consistency, alignment, logo accuracy, and pixel-level editing artifacts across the statement.
Balance validation
Running balance calculations, date ordering, transaction math, and suspicious round-number deposits.
Institutional checks
Bank formatting standards, FDIC numbers, header/footer accuracy, and known statement generator patterns.
Metadata analysis
Creation dates, software signatures, author fields, and hidden PDF properties that reveal editing history.
Why this matters
Fake bank statements are harder to spot than you think
$15
Cost for a fake statement generator
5min
Time to edit a real statement PDF
85%
Of fakes pass a manual review
Modern editing tools and statement generators produce documents that look nearly identical to real ones — correct logos, proper formatting, even realistic transaction descriptions. A fraudster who starts with a real statement and edits just the numbers can fool most manual reviews.
The details that give fakes away are things most people miss: running balance errors where deposits and withdrawals don't add up, date formatting inconsistencies, wrong FDIC numbers, or suspiciously round deposit amounts. Our AI is trained to catch these signals automatically.
But here's the uncomfortable truth: even this tool has limits. Document analysis is a useful filter, not a guarantee. That's the problem with any document-based approach — you're always trusting something the applicant controls. The only way to eliminate this risk is to pull income data directly from the bank.
Go beyond documents
Documents can be faked. Bank data can't.
This free tool catches common fraud — but the best fakes pass document analysis. IncomeChecker.com skips documents entirely.
7k+
Banks supported
<5m
Per verification
$0
First check free
How it works
Verify applicant income in three steps
Send a verification link
Enter the applicant's name and email. We generate a secure link you share with them.
They connect their bank
The applicant opens the link and connects their bank through Plaid. Takes about two minutes.
You get a verified report
See estimated income, deposit patterns, and top sources — download as PDF.
Questions