diff --git a/public/css/style.css b/public/css/style.css
index d5bb7f0..c920b5c 100644
--- a/public/css/style.css
+++ b/public/css/style.css
@@ -85,6 +85,38 @@ header {
   line-height: 1.5;
 }
 
+.modal-wide { width: min(720px, 96vw); }
+
+.qbo-tabs {
+  display: flex;
+  border-bottom: 1px solid var(--border);
+  background: #f9f9f9;
+  padding: 0 16px;
+}
+.qbo-tab {
+  background: none;
+  border: none;
+  border-bottom: 2px solid transparent;
+  padding: 8px 16px;
+  font-size: 13px;
+  font-weight: 500;
+  cursor: pointer;
+  color: var(--text-muted);
+  margin-bottom: -1px;
+}
+.qbo-tab.active { color: var(--primary); border-bottom-color: var(--primary); }
+.qbo-tab:hover:not(.active) { color: var(--text); }
+
+.qbo-preview-count { font-size: 12px; color: var(--text-muted); margin-bottom: 6px; }
+.qbo-warnings { font-size: 11px; color: #b45309; background: #fef9c3; border: 1px solid #ca8a04; border-radius: 3px; padding: 6px 8px; margin-bottom: 8px; }
+.qbo-preview-scroll { max-height: 280px; overflow-y: auto; border: 1px solid var(--border); border-radius: 4px; }
+.qbo-preview-table { width: 100%; border-collapse: collapse; font-size: 12px; }
+.qbo-preview-table th { background: #f5f5f5; padding: 5px 8px; text-align: left; font-weight: 600; position: sticky; top: 0; border-bottom: 1px solid var(--border); }
+.qbo-preview-table td { padding: 4px 8px; border-bottom: 1px solid #f0f0f0; }
+.qbo-preview-table tr:last-child td { border-bottom: none; }
+.qbo-preview-table .text-muted { color: var(--text-muted); }
+.import-result { font-size: 13px; color: #15803d; background: #f0fdf4; border: 1px solid #86efac; border-radius: 4px; padding: 8px 12px; margin-top: 8px; }
+
 /* ── Toolbar ── */
 .toolbar {
   display: flex;
diff --git a/public/index.html b/public/index.html
index 4d099a7..2e8c028 100644
--- a/public/index.html
+++ b/public/index.html
@@ -42,6 +42,7 @@
       </button>
       <button id="btn-new-check" class="btn-secondary">+ New Check</button>
       <button id="btn-import" class="btn-secondary">Import .mdb</button>
+      <button class="btn-secondary" data-open-qbo="checks">Import QBO</button>
     </div>
   </div>
 
@@ -83,6 +84,7 @@
     </div>
     <div class="toolbar-right">
       <button id="btn-new-deposit" class="btn-secondary">+ New Deposit</button>
+      <button class="btn-secondary" data-open-qbo="deposits">Import QBO</button>
     </div>
   </div>
   <div class="table-wrap">
@@ -411,6 +413,55 @@
     </div>
   </div>
 
+  <!-- QBO Import modal -->
+  <div id="qbo-import-overlay" class="modal-overlay"></div>
+  <div id="qbo-import-modal" class="modal modal-wide" role="dialog" aria-labelledby="qbo-import-title">
+    <div class="modal-header">
+      <h2 id="qbo-import-title">Import from QuickBooks Online</h2>
+      <button id="btn-close-qbo-import" class="btn-icon" title="Close">×</button>
+    </div>
+    <div class="qbo-tabs">
+      <button class="qbo-tab active" data-tab="checks">Checks to Print</button>
+      <button class="qbo-tab" data-tab="deposits">Deposits</button>
+    </div>
+    <!-- Checks pane -->
+    <div class="qbo-pane" id="qbo-pane-checks">
+      <div class="modal-body">
+        <p class="modal-desc">Export a <strong>Transaction List</strong> or <strong>Check Detail</strong> report from QBO (filtered to checks) as CSV, then upload it here. Checks will be imported as unprinted.</p>
+        <div class="form-group">
+          <label for="qbo-checks-file">QBO CSV export</label>
+          <input type="file" id="qbo-checks-file" accept=".csv,.txt">
+        </div>
+        <div id="qbo-checks-preview" hidden></div>
+        <div id="qbo-checks-result" class="import-result" hidden></div>
+        <div id="qbo-checks-error" class="wizard-error" hidden></div>
+      </div>
+      <div class="modal-footer">
+        <button id="btn-qbo-checks-parse" class="btn-secondary">Preview</button>
+        <button id="btn-qbo-checks-import" class="btn-primary" hidden disabled>Import</button>
+        <button id="btn-qbo-checks-cancel" class="btn-ghost">Cancel</button>
+      </div>
+    </div>
+    <!-- Deposits pane -->
+    <div class="qbo-pane" id="qbo-pane-deposits" hidden>
+      <div class="modal-body">
+        <p class="modal-desc">Export a <strong>Deposit Detail</strong> report from QBO as CSV. Deposits are grouped by date — one deposit record per day.</p>
+        <div class="form-group">
+          <label for="qbo-deposits-file">QBO CSV export</label>
+          <input type="file" id="qbo-deposits-file" accept=".csv,.txt">
+        </div>
+        <div id="qbo-deposits-preview" hidden></div>
+        <div id="qbo-deposits-result" class="import-result" hidden></div>
+        <div id="qbo-deposits-error" class="wizard-error" hidden></div>
+      </div>
+      <div class="modal-footer">
+        <button id="btn-qbo-deposits-parse" class="btn-secondary">Preview</button>
+        <button id="btn-qbo-deposits-import" class="btn-primary" hidden disabled>Import</button>
+        <button id="btn-qbo-deposits-cancel" class="btn-ghost">Cancel</button>
+      </div>
+    </div>
+  </div>
+
   <!-- Deposit slide-in panel -->
   <div id="dep-panel-overlay"></div>
   <aside id="deposit-panel">
diff --git a/public/js/app.js b/public/js/app.js
index 46b2e73..60c2946 100644
--- a/public/js/app.js
+++ b/public/js/app.js
@@ -644,6 +644,188 @@ async function saveAccountSettings() {
   }
 }
 
+// ── QBO Import ────────────────────────────────────────────────────────────────
+
+let qboChecksRecords = null;
+let qboDepositsRecords = null;
+
+function openQboImport(tab) {
+  switchQboTab(tab || 'checks');
+  resetQboPane('checks');
+  resetQboPane('deposits');
+  document.getElementById('qbo-import-overlay').classList.add('open');
+  document.getElementById('qbo-import-modal').classList.add('open');
+}
+
+function closeQboImport() {
+  document.getElementById('qbo-import-overlay').classList.remove('open');
+  document.getElementById('qbo-import-modal').classList.remove('open');
+}
+
+function resetQboPane(type) {
+  document.getElementById(`qbo-${type}-file`).value = '';
+  document.getElementById(`qbo-${type}-preview`).hidden = true;
+  document.getElementById(`qbo-${type}-preview`).innerHTML = '';
+  document.getElementById(`qbo-${type}-result`).hidden = true;
+  document.getElementById(`qbo-${type}-result`).textContent = '';
+  document.getElementById(`qbo-${type}-error`).hidden = true;
+  document.getElementById(`qbo-${type}-error`).textContent = '';
+  document.getElementById(`btn-qbo-${type}-import`).hidden = true;
+  document.getElementById(`btn-qbo-${type}-import`).disabled = true;
+  if (type === 'checks') qboChecksRecords = null;
+  else qboDepositsRecords = null;
+}
+
+function switchQboTab(tab) {
+  document.querySelectorAll('.qbo-tab').forEach(t => t.classList.toggle('active', t.dataset.tab === tab));
+  document.getElementById('qbo-pane-checks').hidden = tab !== 'checks';
+  document.getElementById('qbo-pane-deposits').hidden = tab !== 'deposits';
+}
+
+async function qboParseFile(type) {
+  const fileInput = document.getElementById(`qbo-${type}-file`);
+  const errEl     = document.getElementById(`qbo-${type}-error`);
+  const previewEl = document.getElementById(`qbo-${type}-preview`);
+  const resultEl  = document.getElementById(`qbo-${type}-result`);
+  const importBtn = document.getElementById(`btn-qbo-${type}-import`);
+  const parseBtn  = document.getElementById(`btn-qbo-${type}-parse`);
+
+  errEl.hidden = true;
+  previewEl.hidden = true;
+  previewEl.innerHTML = '';
+  resultEl.hidden = true;
+  importBtn.hidden = true;
+  importBtn.disabled = true;
+
+  const file = fileInput.files[0];
+  if (!file) { errEl.textContent = 'Select a CSV file first.'; errEl.hidden = false; return; }
+
+  parseBtn.disabled = true;
+  parseBtn.textContent = 'Parsing\u2026';
+
+  try {
+    const fd = new FormData();
+    fd.append('file', file);
+    fd.append('type', type);
+    const resp = await fetch('/api/qbo-import/parse', { method: 'POST', body: fd });
+    const data = await resp.json();
+    if (!resp.ok) throw new Error(data.error || 'Parse failed');
+
+    if (type === 'checks') {
+      qboChecksRecords = data.records;
+      previewEl.innerHTML = buildChecksPreviewHTML(data.records, data.warnings);
+    } else {
+      qboDepositsRecords = data.records;
+      previewEl.innerHTML = buildDepositsPreviewHTML(data.records, data.warnings);
+    }
+    previewEl.hidden = false;
+    const depCount = type === 'deposits' ? countDepositDates(data.records) : 0;
+    importBtn.textContent = type === 'checks'
+      ? `Import ${data.records.length} Check${data.records.length !== 1 ? 's' : ''}`
+      : `Import ${depCount} Deposit${depCount !== 1 ? 's' : ''}`;
+    importBtn.hidden = false;
+    importBtn.disabled = false;
+  } catch (err) {
+    errEl.textContent = err.message;
+    errEl.hidden = false;
+  } finally {
+    parseBtn.disabled = false;
+    parseBtn.textContent = 'Preview';
+  }
+}
+
+function countDepositDates(records) {
+  return new Set(records.map(r => r.date)).size;
+}
+
+const fmtCurrency = n => new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' }).format(n);
+const fmtDateDisp = iso => { const [y, m, d] = iso.split('-'); return `${m}/${d}/${y}`; };
+
+function buildChecksPreviewHTML(records, warnings) {
+  let html = `<div class="qbo-preview-count">${records.length} check${records.length !== 1 ? 's' : ''} found</div>`;
+  if (warnings && warnings.length) {
+    html += `<div class="qbo-warnings">${warnings.map(w => escHtml(w)).join('<br>')}</div>`;
+  }
+  html += `<div class="qbo-preview-scroll"><table class="qbo-preview-table">
+    <thead><tr><th>Date</th><th>Payee</th><th style="text-align:right">Amount</th><th>Memo</th><th>Check #</th></tr></thead>
+    <tbody>`;
+  for (const r of records) {
+    html += `<tr>
+      <td>${escHtml(fmtDateDisp(r.date))}</td>
+      <td>${escHtml(r.payee || '')}</td>
+      <td style="text-align:right;font-family:monospace">${escHtml(fmtCurrency(r.amount))}</td>
+      <td class="text-muted">${escHtml(r.memo || '')}</td>
+      <td class="text-muted">${r.check_no ? escHtml(String(r.check_no)) : '<em>auto</em>'}</td>
+    </tr>`;
+  }
+  html += '</tbody></table></div>';
+  return html;
+}
+
+function buildDepositsPreviewHTML(records, warnings) {
+  const byDate = new Map();
+  for (const r of records) {
+    if (!byDate.has(r.date)) byDate.set(r.date, []);
+    byDate.get(r.date).push(r);
+  }
+  const dateCount = byDate.size;
+  let html = `<div class="qbo-preview-count">${records.length} item${records.length !== 1 ? 's' : ''} across ${dateCount} deposit${dateCount !== 1 ? 's' : ''}</div>`;
+  if (warnings && warnings.length) {
+    html += `<div class="qbo-warnings">${warnings.map(w => escHtml(w)).join('<br>')}</div>`;
+  }
+  html += `<div class="qbo-preview-scroll"><table class="qbo-preview-table">
+    <thead><tr><th>Date</th><th>Items</th><th style="text-align:right">Total</th></tr></thead>
+    <tbody>`;
+  for (const [date, items] of byDate) {
+    const total = items.reduce((s, i) => s + i.amount, 0);
+    html += `<tr>
+      <td>${escHtml(fmtDateDisp(date))}</td>
+      <td class="text-muted">${items.length} item${items.length !== 1 ? 's' : ''}</td>
+      <td style="text-align:right;font-family:monospace">${escHtml(fmtCurrency(total))}</td>
+    </tr>`;
+  }
+  html += '</tbody></table></div>';
+  return html;
+}
+
+async function qboConfirmImport(type) {
+  const records = type === 'checks' ? qboChecksRecords : qboDepositsRecords;
+  const errEl    = document.getElementById(`qbo-${type}-error`);
+  const resultEl = document.getElementById(`qbo-${type}-result`);
+  const importBtn = document.getElementById(`btn-qbo-${type}-import`);
+
+  errEl.hidden = true;
+  importBtn.disabled = true;
+  importBtn.textContent = 'Importing\u2026';
+
+  try {
+    const data = await apiFetch('POST', '/api/qbo-import/confirm', {
+      type, records, account_id: state.activeAccountId,
+    });
+
+    if (type === 'checks') {
+      resultEl.textContent = `Imported ${data.imported} check${data.imported !== 1 ? 's' : ''}${data.skipped ? `, skipped ${data.skipped} duplicate${data.skipped !== 1 ? 's' : ''}` : ''}.`;
+      await loadChecks();
+      await loadAccounts();
+      renderHeader();
+    } else {
+      resultEl.textContent = `Imported ${data.imported} deposit${data.imported !== 1 ? 's' : ''} (${data.itemCount} items).`;
+      if (typeof loadDeposits === 'function') await loadDeposits();
+    }
+    resultEl.hidden = false;
+    importBtn.hidden = true;
+
+    document.getElementById(`qbo-${type}-file`).value = '';
+    if (type === 'checks') qboChecksRecords = null;
+    else qboDepositsRecords = null;
+  } catch (err) {
+    errEl.textContent = err.message;
+    errEl.hidden = false;
+    importBtn.disabled = false;
+    importBtn.textContent = type === 'checks' ? 'Import Checks' : 'Import Deposits';
+  }
+}
+
 // ── Set next check number ─────────────────────────────────────────────────────
 
 function openSetCheckNo() {
@@ -1116,6 +1298,22 @@ function init() {
     document.getElementById(id).addEventListener('input', recalcDepTotals);
   });
 
+  // QBO Import
+  document.querySelectorAll('[data-open-qbo]').forEach(btn =>
+    btn.addEventListener('click', () => openQboImport(btn.dataset.openQbo))
+  );
+  document.getElementById('btn-close-qbo-import').addEventListener('click', closeQboImport);
+  document.getElementById('qbo-import-overlay').addEventListener('click', closeQboImport);
+  document.querySelectorAll('.qbo-tab').forEach(t =>
+    t.addEventListener('click', () => switchQboTab(t.dataset.tab))
+  );
+  document.getElementById('btn-qbo-checks-parse').addEventListener('click', () => qboParseFile('checks'));
+  document.getElementById('btn-qbo-deposits-parse').addEventListener('click', () => qboParseFile('deposits'));
+  document.getElementById('btn-qbo-checks-import').addEventListener('click', () => qboConfirmImport('checks'));
+  document.getElementById('btn-qbo-deposits-import').addEventListener('click', () => qboConfirmImport('deposits'));
+  document.getElementById('btn-qbo-checks-cancel').addEventListener('click', closeQboImport);
+  document.getElementById('btn-qbo-deposits-cancel').addEventListener('click', closeQboImport);
+
   // Initial data load
   loadAccounts();
 }
diff --git a/src/app.js b/src/app.js
index bc805b6..5f7f107 100644
--- a/src/app.js
+++ b/src/app.js
@@ -154,6 +154,8 @@ app.post('/api/account/setup', (req, res) => {
 
 // TODO: Add deposit slip support -- deposits table, PDF generation, ledger, and slide-in entry form
 
+app.use('/api/qbo-import', require('./routes/qbo-import'));
+
 // .mdb import endpoint — always creates a new account
 app.post('/api/import', upload.single('mdbfile'), (req, res) => {
   if (!req.file) return res.status(400).json({ error: 'No file uploaded.' });
diff --git a/src/routes/qbo-import.js b/src/routes/qbo-import.js
new file mode 100644
index 0000000..2884829
--- /dev/null
+++ b/src/routes/qbo-import.js
@@ -0,0 +1,315 @@
+'use strict';
+
+const express = require('express');
+const router  = express.Router();
+const multer  = require('multer');
+const os      = require('os');
+const fs      = require('fs');
+
+const upload = multer({ dest: os.tmpdir() });
+
+// ── CSV helpers ───────────────────────────────────────────────────────────────
+
+function parseCSVLine(line) {
+  const fields = [];
+  let cur = '';
+  let inQuote = false;
+  for (let i = 0; i < line.length; i++) {
+    const ch = line[i];
+    if (inQuote) {
+      if (ch === '"') {
+        if (line[i + 1] === '"') { cur += '"'; i++; }
+        else inQuote = false;
+      } else {
+        cur += ch;
+      }
+    } else {
+      if (ch === '"') {
+        inQuote = true;
+      } else if (ch === ',') {
+        fields.push(cur);
+        cur = '';
+      } else {
+        cur += ch;
+      }
+    }
+  }
+  fields.push(cur);
+  return fields;
+}
+
+function findColumns(rows) {
+  const aliases = {
+    date:   ['date'],
+    type:   ['transaction type', 'type'],
+    num:    ['num', 'no.', 'check no', 'check#', 'ref no.', 'reference no'],
+    name:   ['name', 'payee', 'vendor', 'received from', 'customer'],
+    memo:   ['memo/description', 'description', 'memo', 'memo description'],
+    amount: ['amount'],
+    debit:  ['debit'],
+    credit: ['credit'],
+  };
+
+  for (let i = 0; i < Math.min(rows.length, 25); i++) {
+    const row = rows[i];
+    const lower = row.map(c => c.trim().toLowerCase());
+    if (!lower.includes('date')) continue;
+
+    const cols = {};
+    for (const [key, names] of Object.entries(aliases)) {
+      for (const name of names) {
+        const idx = lower.indexOf(name);
+        if (idx !== -1) { cols[key] = idx; break; }
+      }
+    }
+    if (cols.date === undefined) continue;
+    return { headerRow: i, cols };
+  }
+  return null;
+}
+
+function parseAmount(str) {
+  if (!str && str !== 0) return null;
+  const s = String(str).replace(/[$,\s]/g, '');
+  if (s === '' || s === '-') return null;
+  const n = parseFloat(s);
+  return isNaN(n) ? null : n;
+}
+
+function parseDate(str) {
+  if (!str) return null;
+  str = str.trim();
+  // MM/DD/YYYY
+  const slash = str.match(/^(\d{1,2})\/(\d{1,2})\/(\d{4})$/);
+  if (slash) return `${slash[3]}-${slash[1].padStart(2, '0')}-${slash[2].padStart(2, '0')}`;
+  // ISO already
+  if (/^\d{4}-\d{2}-\d{2}$/.test(str)) return str;
+  // Try Date parse as last resort
+  const d = new Date(str);
+  if (!isNaN(d.getTime())) {
+    const y = d.getFullYear();
+    const m = String(d.getMonth() + 1).padStart(2, '0');
+    const day = String(d.getDate()).padStart(2, '0');
+    return `${y}-${m}-${day}`;
+  }
+  return null;
+}
+
+function extractRows(text, type) {
+  const lines = text.split(/\r?\n/);
+  const rows = lines.map(l => parseCSVLine(l));
+
+  const found = findColumns(rows);
+  if (!found) return { records: [], warnings: ['Could not find a header row with a Date column in the first 25 rows.'] };
+
+  const { headerRow, cols } = found;
+  const warnings = [];
+  const records = [];
+
+  const skipPrefixes = ['total', 'subtotal', 'grand total', 'net total', 'balance'];
+
+  for (let i = headerRow + 1; i < rows.length; i++) {
+    const row = rows[i];
+    if (!row || row.every(c => !c.trim())) continue;
+
+    const rawDate = cols.date !== undefined ? (row[cols.date] || '').trim() : '';
+    if (!rawDate) continue;
+
+    // Skip summary/total rows
+    const firstCell = rawDate.toLowerCase();
+    if (skipPrefixes.some(p => firstCell.startsWith(p))) continue;
+
+    const date = parseDate(rawDate);
+    if (!date) continue;
+
+    // Type filtering
+    if (cols.type !== undefined) {
+      const rowType = (row[cols.type] || '').toLowerCase();
+      if (type === 'checks' && !rowType.includes('check')) continue;
+      if (type === 'deposits' && !rowType.includes('deposit')) continue;
+    }
+
+    let amount = null;
+    if (cols.amount !== undefined) {
+      amount = parseAmount(row[cols.amount]);
+    }
+    if ((amount === null || amount === 0) && type === 'checks' && cols.debit !== undefined) {
+      amount = parseAmount(row[cols.debit]);
+    }
+    if ((amount === null || amount === 0) && type === 'deposits' && cols.credit !== undefined) {
+      amount = parseAmount(row[cols.credit]);
+    }
+    if (amount === null || amount === 0) continue;
+    amount = Math.abs(amount);
+
+    const payee = cols.name  !== undefined ? (row[cols.name]  || '').trim() : '';
+    const memo  = cols.memo  !== undefined ? (row[cols.memo]  || '').trim() : '';
+    const numRaw = cols.num  !== undefined ? (row[cols.num]   || '').trim() : '';
+
+    if (type === 'checks') {
+      const check_no = numRaw ? (parseInt(numRaw, 10) || null) : null;
+      records.push({ date, payee, memo, amount, check_no });
+    } else {
+      const ref = numRaw || null;
+      records.push({ date, payee, memo, amount, ref });
+    }
+  }
+
+  if (records.length === 0) {
+    warnings.push('No matching records found after filtering.');
+  }
+
+  return { records, warnings };
+}
+
+// ── Confirm helpers ───────────────────────────────────────────────────────────
+
+function confirmChecks(db, records, account_id) {
+  const existing = new Set(
+    db.prepare('SELECT check_no FROM checks WHERE account_id = ?').all(account_id).map(r => r.check_no)
+  );
+
+  const account = db.prepare('SELECT current_check_no FROM account WHERE id = ?').get(account_id);
+  if (!account) throw new Error('Account not found.');
+
+  let nextAuto = account.current_check_no + 1;
+  let imported = 0;
+  let skipped  = 0;
+  let highestUsed = account.current_check_no;
+
+  const insertCheck = db.prepare(`
+    INSERT INTO checks (account_id, check_no, payee, amount, check_date, memo, printed)
+    VALUES (@account_id, @check_no, @payee, @amount, @check_date, @memo, 0)
+  `);
+
+  db.transaction(() => {
+    for (const rec of records) {
+      let checkNo;
+      if (rec.check_no !== null && rec.check_no !== undefined) {
+        if (existing.has(rec.check_no)) { skipped++; continue; }
+        checkNo = rec.check_no;
+      } else {
+        while (existing.has(nextAuto)) nextAuto++;
+        checkNo = nextAuto++;
+      }
+      existing.add(checkNo);
+      insertCheck.run({
+        account_id: account_id,
+        check_no:   checkNo,
+        payee:      rec.payee || '',
+        amount:     rec.amount,
+        check_date: rec.date,
+        memo:       rec.memo || null,
+      });
+      if (checkNo > highestUsed) highestUsed = checkNo;
+      imported++;
+    }
+
+    if (highestUsed > account.current_check_no) {
+      db.prepare("UPDATE account SET current_check_no = ?, updated_at = datetime('now') WHERE id = ?")
+        .run(highestUsed, account_id);
+    }
+  })();
+
+  return { imported, skipped };
+}
+
+function confirmDeposits(db, records, account_id) {
+  // Group by date
+  const byDate = new Map();
+  for (const rec of records) {
+    if (!byDate.has(rec.date)) byDate.set(rec.date, []);
+    byDate.get(rec.date).push(rec);
+  }
+
+  const insertDeposit = db.prepare(`
+    INSERT INTO deposits (account_id, deposit_date, currency, coin, cash_back)
+    VALUES (@account_id, @deposit_date, 0, 0, 0)
+  `);
+  const insertItem = db.prepare(`
+    INSERT INTO deposit_items (deposit_id, sort_order, check_no, payee, memo, amount)
+    VALUES (@deposit_id, @sort_order, @check_no, @payee, @memo, @amount)
+  `);
+
+  let imported = 0;
+  let itemCount = 0;
+
+  db.transaction(() => {
+    for (const [date, items] of byDate) {
+      const result = insertDeposit.run({ account_id, deposit_date: date });
+      const depositId = result.lastInsertRowid;
+      items.forEach((item, idx) => {
+        insertItem.run({
+          deposit_id: depositId,
+          sort_order: idx,
+          check_no:   item.ref || null,
+          payee:      item.payee || null,
+          memo:       item.memo  || null,
+          amount:     item.amount,
+        });
+        itemCount++;
+      });
+      imported++;
+    }
+  })();
+
+  return { imported, itemCount };
+}
+
+// ── Routes ────────────────────────────────────────────────────────────────────
+
+// POST /api/qbo-import/parse
+router.post('/parse', upload.single('file'), (req, res) => {
+  if (!req.file) return res.status(400).json({ error: 'No file uploaded.' });
+  const type = req.body.type;
+  if (type !== 'checks' && type !== 'deposits') {
+    fs.unlink(req.file.path, () => {});
+    return res.status(400).json({ error: 'Invalid type. Must be "checks" or "deposits".' });
+  }
+
+  let text;
+  try {
+    text = fs.readFileSync(req.file.path, 'utf8');
+  } catch (err) {
+    return res.status(500).json({ error: 'Failed to read uploaded file.' });
+  } finally {
+    fs.unlink(req.file.path, () => {});
+  }
+
+  const { records, warnings } = extractRows(text, type);
+
+  if (records.length === 0) {
+    return res.status(422).json({ error: warnings.length ? warnings[0] : 'No matching records found in file.' });
+  }
+
+  res.json({ records, warnings: warnings.length ? warnings : undefined });
+});
+
+// POST /api/qbo-import/confirm
+router.post('/confirm', express.json(), (req, res) => {
+  const { type, records, account_id } = req.body;
+  if (!type || !records || !account_id) {
+    return res.status(400).json({ error: 'Missing required fields: type, records, account_id.' });
+  }
+  if (type !== 'checks' && type !== 'deposits') {
+    return res.status(400).json({ error: 'Invalid type.' });
+  }
+  if (!Array.isArray(records) || records.length === 0) {
+    return res.status(400).json({ error: 'No records provided.' });
+  }
+
+  const db = require('../db/database');
+  try {
+    if (type === 'checks') {
+      const result = confirmChecks(db, records, account_id);
+      res.json(result);
+    } else {
+      const result = confirmDeposits(db, records, account_id);
+      res.json(result);
+    }
+  } catch (err) {
+    res.status(500).json({ error: err.message || 'Import failed.' });
+  }
+});
+
+module.exports = router;