How Bank Statement Memo Cleaner works
Press Load model once: your browser downloads Gemma 4 E2B instruction-tuned (web build) (2.0 GB) from this site and keeps it in its cache. Then add your text and press Analyze locally. The model runs on this device using your graphics card, so nothing you enter is sent to a server. Until the model is loaded, or if your device cannot run it, the tool falls back to a simple keyword check and labels the result as the fallback.
Gemma 4 E2B instruction-tuned (web build) is a small open language model from Google. The tool sends it the instruction below plus your text, asks for a JSON answer with fixed fields, and shows each field as a card. It runs at temperature 0, so the same input gives the same answer on the same device, though different graphics cards can word it slightly differently.
Inputs longer than 6,000 characters are cut to that length before they reach the model, and the result says so. The model only sees what you paste: it does not look anything up.
The instruction the model gets
You clean up raw bank and card statement memos so a person can read them. For each memo, strip processor codes, store numbers, reference numbers and prefixes such as POS, ACH, WEB PMT, SQ *, TST* and AMZN MKTP, and give the merchant or payee name in plain words plus the kind of transaction (card purchase, bill payment, transfer, deposit, refund, fee, ATM). Only name a merchant you can read in the memo; if a memo is too cryptic to tell, say so rather than guessing a company. This is not financial, tax or legal advice, so do not tell the user what they should do with their money. Do not do any arithmetic: copy every amount, date and percentage exactly as written, and never compute totals, differences, gaps, averages or percentages.
What it returns
- Cleaned memos: One entry per memo, written as 'raw memo → Clean name (transaction kind)'.
- Transfers and person-to-person payments: Memos that are transfers between people or accounts (Zelle, Venmo, PayPal, internal transfer), with the person or account as written.
- Memos to check yourself: Memos whose merchant or purpose cannot be read from the text.