Mortgage broker wants 12 months of bank statements in one PDF. You've downloaded twelve separate files. You really don't want to upload your account history to some random PDF site.
Merging locally — files never leaving your machine — is the only sensible option. Flint does the whole job in your browser.
Why local-only matters here
Bank statements list account numbers, balances, addresses, and every transaction. Uploading to a cloud merger means trusting that company's security, retention policy, and breach history. Flint processes the merge in your browser, so the statements never touch our servers. There's nothing for us to leak because we never had it.
Get them in chronological order
Most banks export statements as 'January-2026.pdf', 'February-2026.pdf'. They sort correctly. If yours use month-name-only formats that sort alphabetically wrong (April before January), rename them with a 'YYYY-MM-' prefix before merging. Then drag the whole folder into merge PDF and they line up automatically.
Check for duplicates
If you downloaded any statement twice (it happens), you'll see two identical thumbnails. Remove one. While you're at it, glance at the thumbnails to make sure no off-period statements snuck in — broker wants Jan-Dec, not Nov of the previous year.
Redact if appropriate
Some submissions need full statements; others ask you to mask card numbers. If your case calls for redaction, redact the sensitive fields after merging. Flint's redaction permanently removes the underlying text, not just hides it visually — the right approach for anything financial.
FAQ
Are my statements really not uploaded?
Correct. Flint's merge runs in your browser. No network request carries your PDF anywhere.
Can I password-protect the merged file?
Yes, add a password after merging if you're emailing it. Send the password through a different channel.
What about statements that are images, not PDFs?
If your bank sends images, drop them in — Flint converts during the merge. If they're behind a login portal, screenshot or save-as-PDF first.
My broker wants the statements as separate files. Can I split later?
Yes, but if they want separate files, just send them separate. Split is for the reverse case.
Statements stay on your machine. Merge them locally and submit with confidence.