diff --git a/app/jobs/process_pdf_job.rb b/app/jobs/process_pdf_job.rb
index b30e8db09..7cfe906b5 100644
--- a/app/jobs/process_pdf_job.rb
+++ b/app/jobs/process_pdf_job.rb
@@ -14,9 +14,15 @@ class ProcessPdfJob < ApplicationJob
       document_type = resolve_document_type(pdf_import, process_result)
       upload_to_vector_store(pdf_import, document_type: document_type)
 
-      # For statements with transactions (bank/credit card), extract and generate import rows
-      # unless reconciliation already confirmed balances match
-      if statement_with_transactions?(document_type) && !pdf_import.reconciliation_matched?
+      if pdf_import.reconciliation_matched?
+        Rails.logger.info("ProcessPdfJob: Reconciliation matched for import #{pdf_import.id}, skipping transaction extraction")
+      elsif statement_with_transactions?(document_type)
+        if pdf_import.reconciliation_reportable? && pdf_import.account.nil?
+          recon_account = pdf_import.reconciliation_account
+          pdf_import.update!(account: recon_account) if recon_account
+          Rails.logger.info("ProcessPdfJob: Auto-assigned account #{recon_account&.name} from reconciliation for import #{pdf_import.id}")
+        end
+
         Rails.logger.info("ProcessPdfJob: Extracting transactions for #{document_type} import #{pdf_import.id}")
         pdf_import.extract_transactions
         Rails.logger.info("ProcessPdfJob: Extracted #{pdf_import.extracted_transactions.size} transactions")
@@ -24,8 +30,6 @@ class ProcessPdfJob < ApplicationJob
         pdf_import.generate_rows_from_extracted_data
         pdf_import.sync_mappings
         Rails.logger.info("ProcessPdfJob: Generated #{pdf_import.rows_count} import rows")
-      elsif pdf_import.reconciliation_matched?
-        Rails.logger.info("ProcessPdfJob: Reconciliation matched for import #{pdf_import.id}, skipping transaction extraction")
       end
 
       # Find the user who created this import (first admin or any user in the family)
diff --git a/app/models/pdf_import.rb b/app/models/pdf_import.rb
index 1b16e92d9..7e28f0e97 100644
--- a/app/models/pdf_import.rb
+++ b/app/models/pdf_import.rb
@@ -107,10 +107,22 @@ class PdfImport < Import
     extracted_data&.dig("reconciliation")
   end
 
+  def reconciliation_reportable?
+    recon = reconciliation_data
+    return false unless recon.present?
+    return false unless recon["performed"] == true
+    return false unless recon["account_id"].present?
+    return false if recon["statement_transaction_count"].to_i == 0
+    true
+  end
+
   def reconciliation_matched?
-    reconciliation_data.present? &&
-      reconciliation_data["performed"] == true &&
-      reconciliation_data["balance_match"] == true
+    reconciliation_reportable? && reconciliation_data["balance_match"] == true
+  end
+
+  def reconciliation_account
+    return nil unless reconciliation_data&.dig("account_id").present?
+    family.accounts.find_by(id: reconciliation_data["account_id"])
   end
 
   def has_extracted_transactions?
diff --git a/app/views/imports/_nav.html.erb b/app/views/imports/_nav.html.erb
index 2b8bda625..7ab89f692 100644
--- a/app/views/imports/_nav.html.erb
+++ b/app/views/imports/_nav.html.erb
@@ -8,7 +8,7 @@
 elsif import.is_a?(PdfImport)
   # PDF imports have a simplified flow: Upload -> Confirm
   # Upload/Configure/Clean are always complete for processed PDF imports
-  finalized = import.complete?
+  finalized = import.complete? || (import.respond_to?(:reconciliation_reportable?) && import.reconciliation_reportable?)
   [
     { name: t("imports.steps.upload", default: "Upload"), path: nil, is_complete: import.pdf_uploaded?, step_number: 1 },
     { name: t("imports.steps.configure", default: "Configure"), path: nil, is_complete: finalized || import.configured?, step_number: 2 },
diff --git a/app/views/imports/_pdf_import.html.erb b/app/views/imports/_pdf_import.html.erb
index a3f1e48f5..ffea59522 100644
--- a/app/views/imports/_pdf_import.html.erb
+++ b/app/views/imports/_pdf_import.html.erb
@@ -2,8 +2,92 @@
 
 <div class="min-h-full flex flex-col justify-center items-center py-8">
   <div class="space-y-6 max-w-lg w-full">
-    <% if import.pending? && import.rows_count > 0 %>
-      <%# Statement with rows ready for review %>
+    <% if import.respond_to?(:reconciliation_reportable?) && import.reconciliation_reportable? && (import.complete? || (import.pending? && import.rows_count > 0)) %>
+      <% recon = import.reconciliation_data %>
+      <% balance_matched = import.reconciliation_matched? %>
+
+      <div class="mx-auto h-8 w-8 rounded-full flex items-center justify-center <%= balance_matched ? "bg-success/10" : "bg-yellow-500/10" %>">
+        <%= icon balance_matched ? "check" : "alert-triangle", class: balance_matched ? "text-success" : "text-yellow-600" %>
+      </div>
+
+      <div class="text-center space-y-2">
+        <h1 class="font-medium text-primary text-center text-3xl"><%= t("imports.pdf_import.reconciliation_title") %></h1>
+        <p class="text-sm text-secondary"><%= balance_matched ? t("imports.pdf_import.reconciliation_description") : t("imports.pdf_import.reconciliation_mismatch_description") %></p>
+      </div>
+
+      <div class="bg-container border border-primary rounded-xl p-4 space-y-4">
+        <div class="space-y-2">
+          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.document_type_label") %></h2>
+          <p class="text-sm text-secondary px-3 py-2 bg-gray-500/5 rounded-lg">
+            <%= t("imports.document_types.#{import.document_type}", default: import.document_type&.humanize || t("imports.pdf_import.unknown_document_type", default: "Unknown")) %>
+          </p>
+        </div>
+
+        <div class="space-y-2">
+          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.reconciliation_details_label") %></h2>
+          <div class="space-y-1 px-3 py-2 bg-gray-500/5 rounded-lg">
+            <% if recon["statement_closing_balance"].present? %>
+              <div class="flex justify-between text-sm">
+                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_statement_balance") %></span>
+                <span class="text-primary font-medium privacy-sensitive"><%= number_to_currency(recon["statement_closing_balance"], unit: import.extracted_data&.dig("currency") || "") %></span>
+              </div>
+            <% end %>
+            <% if recon["synced_closing_balance"].present? %>
+              <div class="flex justify-between text-sm">
+                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_synced_balance") %></span>
+                <span class="text-primary font-medium privacy-sensitive"><%= number_to_currency(recon["synced_closing_balance"], unit: import.extracted_data&.dig("currency") || "") %></span>
+              </div>
+            <% end %>
+            <div class="flex justify-between text-sm">
+              <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_balance_match") %></span>
+              <% if balance_matched %>
+                <span class="text-success font-medium"><%= t("imports.pdf_import.reconciliation_balance_yes") %></span>
+              <% else %>
+                <span class="text-destructive font-medium"><%= t("imports.pdf_import.reconciliation_balance_no") %></span>
+              <% end %>
+            </div>
+            <% if recon["statement_transaction_count"].present? %>
+              <div class="flex justify-between text-sm">
+                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_statement_txns") %></span>
+                <span class="text-primary font-medium"><%= recon["statement_transaction_count"] %></span>
+              </div>
+            <% end %>
+            <% if recon["synced_transaction_count"].present? %>
+              <div class="flex justify-between text-sm">
+                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_synced_txns") %></span>
+                <span class="text-primary font-medium"><%= recon["synced_transaction_count"] %></span>
+              </div>
+            <% end %>
+            <% if recon["matched_count"].present? %>
+              <div class="flex justify-between text-sm">
+                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_matched_txns") %></span>
+                <span class="text-primary font-medium"><%= recon["matched_count"] %></span>
+              </div>
+            <% end %>
+          </div>
+        </div>
+
+        <div class="space-y-2">
+          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.summary_label") %></h2>
+          <p class="text-sm text-secondary px-3 py-2 bg-gray-500/5 rounded-lg whitespace-pre-wrap privacy-sensitive"><%= import.ai_summary %></p>
+        </div>
+      </div>
+
+      <div class="space-y-2 flex flex-col">
+        <% if !balance_matched && import.pending? && import.rows_count > 0 %>
+          <% if import.publishable? %>
+            <%= button_to t("imports.pdf_import.publish_transactions", default: "Publish %{count} Transactions", count: import.rows_count), publish_import_path(import), method: :post, class: "w-full font-medium text-sm px-3 py-2 rounded-lg text-inverse bg-inverse hover:bg-inverse-hover" %>
+            <%= render DS::Link.new(text: t("imports.pdf_import.review_transactions", default: "Review Transactions"), href: import_clean_path(import), variant: "secondary", full_width: true) %>
+          <% elsif import.account.present? %>
+            <%= render DS::Link.new(text: t("imports.pdf_import.review_transactions", default: "Review Transactions"), href: import_clean_path(import), variant: "primary", full_width: true) %>
+          <% end %>
+        <% end %>
+        <%= render DS::Link.new(text: t("imports.pdf_import.back_to_imports"), href: imports_path, variant: balance_matched ? "primary" : "secondary", full_width: true) %>
+        <%= button_to t("imports.pdf_import.delete_import"), import_path(import), method: :delete, class: "w-full font-medium text-sm px-3 py-2 rounded-lg text-primary bg-gray-200 hover:bg-gray-300" %>
+      </div>
+
+    <% elsif import.pending? && import.rows_count > 0 %>
+      <%# Statement with rows ready for review (no reconciliation) %>
       <div class="mx-auto bg-success/10 h-8 w-8 rounded-full flex items-center justify-center">
         <%= icon "check", class: "text-success" %>
       </div>
@@ -95,77 +179,6 @@
         <%= button_to t("imports.pdf_import.delete_import"), import_path(import), method: :delete, class: "w-full font-medium text-sm px-3 py-2 rounded-lg text-primary bg-gray-200 hover:bg-gray-300" %>
       </div>
 
-    <% elsif import.complete? && import.respond_to?(:reconciliation_matched?) && import.reconciliation_matched? %>
-      <% recon = import.reconciliation_data %>
-
-      <div class="mx-auto bg-success/10 h-8 w-8 rounded-full flex items-center justify-center">
-        <%= icon "check", class: "text-success" %>
-      </div>
-
-      <div class="text-center space-y-2">
-        <h1 class="font-medium text-primary text-center text-3xl"><%= t("imports.pdf_import.reconciliation_title") %></h1>
-        <p class="text-sm text-secondary"><%= t("imports.pdf_import.reconciliation_description") %></p>
-      </div>
-
-      <div class="bg-container border border-primary rounded-xl p-4 space-y-4">
-        <div class="space-y-2">
-          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.document_type_label") %></h2>
-          <p class="text-sm text-secondary px-3 py-2 bg-gray-500/5 rounded-lg">
-            <%= t("imports.document_types.#{import.document_type}", default: import.document_type&.humanize || t("imports.pdf_import.unknown_document_type", default: "Unknown")) %>
-          </p>
-        </div>
-
-        <div class="space-y-2">
-          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.reconciliation_details_label") %></h2>
-          <div class="space-y-1 px-3 py-2 bg-gray-500/5 rounded-lg">
-            <% if recon["statement_closing_balance"].present? %>
-              <div class="flex justify-between text-sm">
-                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_statement_balance") %></span>
-                <span class="text-primary font-medium privacy-sensitive"><%= number_to_currency(recon["statement_closing_balance"], unit: import.extracted_data&.dig("currency") || "") %></span>
-              </div>
-            <% end %>
-            <% if recon["synced_closing_balance"].present? %>
-              <div class="flex justify-between text-sm">
-                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_synced_balance") %></span>
-                <span class="text-primary font-medium privacy-sensitive"><%= number_to_currency(recon["synced_closing_balance"], unit: import.extracted_data&.dig("currency") || "") %></span>
-              </div>
-            <% end %>
-            <div class="flex justify-between text-sm">
-              <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_balance_match") %></span>
-              <span class="text-success font-medium"><%= t("imports.pdf_import.reconciliation_balance_yes") %></span>
-            </div>
-            <% if recon["statement_transaction_count"].present? %>
-              <div class="flex justify-between text-sm">
-                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_statement_txns") %></span>
-                <span class="text-primary font-medium"><%= recon["statement_transaction_count"] %></span>
-              </div>
-            <% end %>
-            <% if recon["synced_transaction_count"].present? %>
-              <div class="flex justify-between text-sm">
-                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_synced_txns") %></span>
-                <span class="text-primary font-medium"><%= recon["synced_transaction_count"] %></span>
-              </div>
-            <% end %>
-            <% if recon["matched_count"].present? %>
-              <div class="flex justify-between text-sm">
-                <span class="text-secondary"><%= t("imports.pdf_import.reconciliation_matched_txns") %></span>
-                <span class="text-primary font-medium"><%= recon["matched_count"] %></span>
-              </div>
-            <% end %>
-          </div>
-        </div>
-
-        <div class="space-y-2">
-          <h2 class="font-medium text-primary"><%= t("imports.pdf_import.summary_label") %></h2>
-          <p class="text-sm text-secondary px-3 py-2 bg-gray-500/5 rounded-lg whitespace-pre-wrap privacy-sensitive"><%= import.ai_summary %></p>
-        </div>
-      </div>
-
-      <div class="space-y-2 flex flex-col">
-        <%= render DS::Link.new(text: t("imports.pdf_import.back_to_imports"), href: imports_path, variant: "primary", full_width: true) %>
-        <%= button_to t("imports.pdf_import.delete_import"), import_path(import), method: :delete, class: "w-full font-medium text-sm px-3 py-2 rounded-lg text-primary bg-gray-200 hover:bg-gray-300" %>
-      </div>
-
     <% elsif import.complete? && import.ai_processed? %>
       <div class="mx-auto bg-success/10 h-8 w-8 rounded-full flex items-center justify-center">
         <%= icon "check", class: "text-success" %>
diff --git a/config/locales/views/imports/en.yml b/config/locales/views/imports/en.yml
index 827fd2e76..8e0904ca3 100644
--- a/config/locales/views/imports/en.yml
+++ b/config/locales/views/imports/en.yml
@@ -253,11 +253,13 @@ en:
       back_to_imports: Back to imports
       reconciliation_title: Reconciliation report
       reconciliation_description: We've compared your statement against synced data and everything matches.
+      reconciliation_mismatch_description: We've compared your statement against synced data and found discrepancies. Review the information below and adjust as needed.
       reconciliation_details_label: Reconciliation Details
       reconciliation_statement_balance: "Statement closing balance"
       reconciliation_synced_balance: "Synced closing balance"
       reconciliation_balance_match: Balance match
       reconciliation_balance_yes: Yes
+      reconciliation_balance_no: No
       reconciliation_statement_txns: Statement transactions
       reconciliation_synced_txns: Synced transactions
       reconciliation_matched_txns: Matched transactions