Downloaded PDF from TD Bank not editable.

Explorer ,
Oct 13, 2018 Oct 13, 2018

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TD Bank's statements are downloaded as Secure PDFs.  In order to edit (I like to highlight them as I reconcile my balance each month) I need to enter a Permissions Password.  I called the bank and they said it's something I need to do within my software.   I'm using Acrobat Pro DC 

Help please!!!

Thanks.

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Security digital signatures and esignatures, Windows

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correct answers 3 Correct Answers

LEGEND , Oct 14, 2018 Oct 14, 2018
Yes, they don’t issue passwords and their call centre staff won’t know about them. But there will be a password to lock out editing. Most banks seem to do this strange and inconvenient thing.

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Explorer , Nov 15, 2018 Nov 15, 2018
I eventually found a work-around."Print to Microsoft PDF" and save with another file name.

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Participant , Dec 22, 2020 Dec 22, 2020
oh for anyone wondering my workaround/workflow on OSX Catalina was open the statement pdf in Preview and then: File > Export as PDF... and the resulting file will be editable/saveable (because at some point I have spent hours marking up a pdf only to realise my marks would not be saved, and there was much gnashing of teeth and renting of garments and wailing)

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Adobe Community Professional ,
Oct 13, 2018 Oct 13, 2018

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They need to give you the password so you could do it. We can't help you

get around it without the password.

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Explorer ,
Oct 13, 2018 Oct 13, 2018

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There is no password.  I used to be able to edit them and in 2017 they changed something with their online banking system and I haven't been able to since.  I've spoken to a few people in their IT department.  They do not issue passwords.  They said it's something with MY Adobe software.

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Adobe Community Professional ,
Oct 13, 2018 Oct 13, 2018

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They are wrong.

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LEGEND ,
Oct 14, 2018 Oct 14, 2018

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Yes, they don’t issue passwords and their call centre staff won’t know about them. But there will be a password to lock out editing. Most banks seem to do this strange and inconvenient thing.

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Explorer ,
Nov 15, 2018 Nov 15, 2018

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I eventually found a work-around.

"Print to Microsoft PDF" and save with another file name.

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Participant ,
Dec 22, 2020 Dec 22, 2020

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thank you, this save as method circumvented the encryption, another hoop to jump through but whatever.

I'm also using this to do my book keeping for taxes, and want to annotate my digital bank statements instead of printing out reams of paper to markup physically.

 

Thanks to y'all for hashing out a soluttion that could be easily googled.

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Participant ,
Dec 22, 2020 Dec 22, 2020

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oh for anyone wondering my workaround/workflow on OSX Catalina was open the statement pdf in Preview and then:

 

File > Export as PDF... and the resulting file will be editable/saveable 

(because at some point I have spent hours marking up a pdf only to realise my marks would not be saved, and there was much gnashing of teeth and renting of garments and wailing)

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Explorer ,
Mar 06, 2021 Mar 06, 2021

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This worked for me , Thanks!

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New Here ,
Apr 15, 2020 Apr 15, 2020

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Has anyone found a workaround for this issue? The print to Microsoft pdf used to work, but I found that is not the case any longer either. Oddly enough I can't even print to paper and rescan. Creepy but it still thinks it is a password-protected document.  I have always kept the 12 months together as one year and now Adobe will not allow me to combine the monthly statements.  This is most frustrating.  HELP!

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LEGEND ,
Apr 15, 2020 Apr 15, 2020

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These files ARE protected and Adobe software WILL respect that. Complaints should be made to the bank. They will tell you it is to protect against fraud. Not sure how it does, but we are stuck with it. 

 

To combine files use the “portfolio” option. 

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New Here ,
Apr 16, 2020 Apr 16, 2020

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Thank you this is an acceptable workaround. I only wish someone had suggested it before



Darla P. Hamlin | President
207-221-0340 x9 | darla@softtrac.com

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New Here ,
Apr 26, 2020 Apr 26, 2020

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this is a real pain.  the best workaround i could find was to export the online pdf as a word doc and then save the word doc as a pdf

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New Here ,
Jul 13, 2020 Jul 13, 2020

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Please don't think I agree with this rationale, but the logic behind bank statements being uneditable is because they are used for many purposes: they help adjudicate billing issues between customers and private businesses, are used to prove you're don't have recent NSF fees, or even required for low-income citizens to apply for a payday loan (terrible idea, yes, but when you don't have another option I can understand that decision-making process). Since they can be so versatile, making them editable increases the chances of fraud and identity theft.

So I absolutely understand why none of the content of a bank statement should be editable. When it comes to highlighting a signed document, I'm not sure how that could possibly be a problem, but redacting a signed document is a bit more complicated of an issue that needs to be looked at by real experts.

However, I'm looking at my last statement and it is NOT a signed document... Therefore, I should be allowed to redact whatever information I fancy, even though I understand that I still can't edit the document.

 

Adobe needs to think this through. This is not a debate that armchair lawyers should be having on a tech-related forum... It's something they should have thought of when they came up with the feature.

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LEGEND ,
Jul 13, 2020 Jul 13, 2020

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Adobe thought this out over 20 years ago when they came up with the feature. The feature is now a standard applied (or ignored) by everyone.

Adobe did add the prompt for permission password a few years back. This didn't change the security model but was a great time saver if you had that password, because otherwise you had to remove the security, make the changes, and put it back.

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Adobe Community Professional ,
Jul 13, 2020 Jul 13, 2020

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It's quite easy to get around a PDF security policy (although I won't explain how), but not so with a digital signature.

A file that is just secured and not digitally signed can not be trusted to not have been modified, basically.

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Adobe Community Professional ,
Jul 13, 2020 Jul 13, 2020

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Many banks are now doing this, but the security settings are incorrectly set to prevent commenting (such as highlighting entries on the statement). Most banks are using 3rd party PDF-generating software to create our bank statements, and it's questionable how well those geeks understand PDFs.

 

Acrobat and the PDF standard does allow for security on the PDF as well as commenting/highlighting. The programmers need to learn about this setting.

 

One of my banks goes even further by setting the PDF to hide all menus, so the average user can't even save their monthly bank statement to their computer.

 

Complain to your bank about these insane settings they're building into your PDFs.

 

Bevi Chagnon | Designer & Technologist for Accessible InDesign + PDFs |
Books & Classes | PubCom

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