I did mine within the past month at CW using 800k method and with a KBank book. I noticed if there are no cumulative entries in the book, which are categorized with a B001 label in the right column of the book for the past year, then the book contains all credit/withdrawl/bal information for the year which may include months of no activity whatsoever, so no statement is needed. If B001 entries are in your book, a statement is needed.