Ways to get the bank statement out of your lender.

 Knowing how to get a bank statement is essential for anyone who has a bank account. You could receive one in the mail, maybe monthly or quarterly, if you register for electronic statements instead. You may also typically review and download current and older statements from your online account. Hit on bank statements samples  to explore more about our services and sites. Hope you ll like our more services.

Other kinds of accounts also have statements, including investment accounts, credit cards, mortgages and auto loans. As with bank statements, you are able to often review copies online or request one by mail.

Bank statements certainly are a record of all credits and debits to your bank account during a certain period. The statement may show your bank account number, alongside a list of transactions, including direct deposits, debit card purchases, withdrawals from ATMs and overdraft fees from that statement period. The bank statement may also show the account's beginning and ending balance for the period. 

Many banks will assign monthly statement periods with their bank accounts and send you monthly statements. However, accounts that don't see frequent transactions, like a certificate of deposit accounts (or CDs) might see quarterly statements. 

Banks typically need to keep customer account records for deposit accounts (like checking and savings accounts) for at the very least five years. Some elect to retain records for longer, however, you won't necessarily find your entire previous statements throughout your online banking platform. If you never view a bank statement you're looking for throughout your online account, or you've closed your account and don't have online access, you may still be able to request a physical or electronic copy (some banks may charge a fee for the document).

Ways to get a bank statement online
Automatically, banks may send your statements in the mail. However, many banks encourage customers to register for electronic statements instead. 

As an example, you could receive extra account benefits or monthly-maintenance-fee waivers in the event that you opt set for e-statements. Plus, avoiding paper statements might help protect against mail thieves, and using less paper will work for the environment. 

As soon as you register for e-statements, the bank will likely send email notifications as soon as your statement is ready online. The specifics depends on your bank, but you are able to generally find historical statements for between two and seven years throughout your online account or your bank's mobile app. You may even be able to download copies of PDF statements for the records.

Online and paper versions are often identical, but there may be minor differences at some banks. For example, you could receive separate e-statements for all your accounts rather than single consolidated paper statement. Still, both should show all of the deposits and withdrawals from your account during the statement period. 

If you never join receive e-statements, you may still be able to access your statements online. If you haven't already created an online account though, you will need to take action first.

If you need a paper copy of a bank statement, or perhaps a copy of an older statement that's unavailable online, you will need to see a bank branch or request the statement by mail.

Visiting a nearby bank branch could function as fastest option as you won't need to hold back for the mail. However, you may want to call the branch first to verify they are able to help. If it's not convenient to see a department, you might be in a position to request a mailed copy online or by calling customer service. 

In either case, there may be a fee for requesting a physical copy of your bank statement, so be sure to ask before moving forward. 

Why would I need a bank statement?
There are several reasons you will need to acquire a bank account statement or perhaps a statement for one of your other accounts. Here certainly are a few. 

Review your spending. Budgeting software can often connect to bank accounts and pull in your transactions for you yourself to review. If you never use software though, you may want to examine your bank statements periodically to higher understand when and where you've spent money and compare against your budget. 

Try to find fraud or errors. Additionally you want to examine your bank statements for signs of fraud and discrepancies, such as purchases you didn't make or deposits for an incorrect amount. 

Apply for a loan. If you're applying for a loan, like a personal loan or mortgage, you will need to generally share copies of your bank statements. The lender will review them, as well as other documents, to help determine whether you qualify for a loan and the rates it'll offer. 

Review your account balance. You may want to examine other account statements, like a loan statement, to see your present balance and interest rate. Reviewing your loan statements could be helpful if you're considering refinancing or consolidating debts, or preparing to start a debt payoff plan.  

Renting a home. Some landlord and property management companies may request copies of a bank statement to verify your income. Alternatively, you might be able to generally share pay stubs or tax forms. 

How often can I get a bank statement?
There's typically no limit to how often you are able to download available statements or exactly how many bank statements you are able to review online. However, there may be a fee everytime you request a published or mailed statement. 

Banks aren't generally needed to send you a monthly statement for the deposit account if there wasn't an electric transfer into or from the account during the month. Many banks can always create a monthly statement for checking and savings automatically though. But you could only receive quarterly statements for other account types, such as CD or retirement accounts.