Send proof of funds
without your account number
Your offer needs to show the money is there. It does not need to hand a stranger your account number and six weeks of spending. Hide what they don't need in your browser. The statement never leaves your device.
No account needed. Works on PDFs (desktop) and photos or screenshots (any device).
Your offer travels further than you think
A proof of funds statement goes from you to your agent, from your agent to the listing agent, and from the listing agent to the seller. In a multiple-offer situation, it can sit in several inboxes you will never see. Each copy carries your full account number and every transaction on the statement, unless you remove them first.
The people reviewing your offer only need to confirm the funds exist. Everything else is exposure.
What to hide, and what to keep
General guidance. If the listing agent has specific requirements, follow them.
Hide
- Full account number (leaving the last 4 digits is common)
- Routing number
- Individual transactions: who you paid, and where you shop
- Other accounts shown on a combined statement
- Your mailing address, if the offer doesn't require it
Keep visible
- Account holder name (must match the buyer on the offer)
- Bank or brokerage name and logo
- Statement date or period
- Available or ending balance
Redact it in about a minute
- 1Download the latest statement from your bank as a PDF, or take a screenshot of the balance page.
- 2Open it in RedactID. It loads in your browser and is never uploaded.
- 3Draw boxes over the account number, routing number and transaction list.
- 4Download the redacted copy. Each page is rebuilt as a flat image, so nothing under the boxes can be copied out.
- 5Attach the redacted copy to your offer. Keep the original for your lender.
Offer copy vs lender copy
Redact the statement that goes out with your offer. Do not redact the statements you give your mortgage lender for underwriting unless they tell you it is acceptable. Lenders usually need complete statements to verify assets, and they collect them through their own portal.
For buyer's agents
If your client sends you an unredacted statement, you can clean it up before it goes into the offer package. It takes less time than asking them to do it, and you are not forwarding their account number to every listing agent you write an offer to.
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Frequently Asked Questions
Can I redact the account number on a proof of funds statement?
In most cases, yes. A proof of funds statement exists to show that the buyer holds enough money to close. The seller and listing agent need to see whose money it is, which institution holds it, when the statement was issued, and the available balance. They do not need the full account number or your transaction history. Many agents black out the account number as a matter of routine. If a listing agent or seller asks for an unredacted copy, confirm who is asking and why before you send it.
What should stay visible on a redacted proof of funds?
Keep the account holder name, the bank or brokerage name and logo, the statement date or period, and the available or ending balance. Those four things are what make the document credible. Removing any of them usually defeats the purpose of sending it.
Will a seller or lender accept a redacted statement?
Sellers and listing agents reviewing an offer generally accept a statement with the account number and transactions hidden, as long as the name, institution, date and balance are clear. Your mortgage lender is different: for underwriting they usually need complete statements, and they collect them through their own secure portal. Redact the copy that goes out with the offer, not the copy you upload to your lender.
Is drawing a black box in a PDF editor enough?
Often it is not. Drawing a shape over text in Preview, Word or a basic PDF editor usually leaves the original text underneath, and anyone can select and copy it. RedactID rebuilds each page as a flat image and assembles a new PDF, so the original text layer, annotations and metadata are not carried over. You can check any redacted file with the free checker at redactid.io/verify.
Does RedactID upload my bank statement?
No. Redaction runs entirely in your browser. The statement stays on your device and is never sent to or stored on our servers.
Should I use a bank letter instead?
A proof of funds letter from your bank is a good alternative. It states the balance without exposing your transactions at all. It can take a day or more to get one, so a redacted statement is the fast option when an offer is due today. Some sellers accept either; ask the listing agent which they prefer.
Already redacted a file somewhere else? Check it for hidden text for free