diff --git a/lib/OfxParser/Ofx.php b/lib/OfxParser/Ofx.php
index c3d0b6e..b6bfb54 100644
--- a/lib/OfxParser/Ofx.php
+++ b/lib/OfxParser/Ofx.php
@@ -147,32 +147,47 @@ private function buildBankAccounts(SimpleXMLElement $xml)
         // Loop through the bank accounts
         $bankAccounts = [];
         foreach ($xml->BANKMSGSRSV1->STMTTRNRS as $accountStatement) {
-            $bankAccounts[] = $this->buildBankAccount($accountStatement);
+            foreach ($accountStatement->STMTRS as $statementResponse) {
+                $bankAccounts[] = $this->buildBankAccount($accountStatement->TRNUID, $statementResponse);
+            }
         }
         return $bankAccounts;
     }
 
     /**
-     * @param SimpleXMLElement $xml
+     * @param string $transactionUid
+     * @param SimpleXMLElement $statementResponse
      * @return BankAccount
      * @throws \Exception
      */
-    private function buildBankAccount(SimpleXMLElement $xml)
+    private function buildBankAccount($transactionUid, SimpleXMLElement $statementResponse)
     {
         $bankAccount = new BankAccount();
-        $bankAccount->transactionUid = $xml->TRNUID;
-        $bankAccount->agencyNumber = $xml->STMTRS->BANKACCTFROM->BRANCHID;
-        $bankAccount->accountNumber = $xml->STMTRS->BANKACCTFROM->ACCTID;
-        $bankAccount->routingNumber = $xml->STMTRS->BANKACCTFROM->BANKID;
-        $bankAccount->accountType = $xml->STMTRS->BANKACCTFROM->ACCTTYPE;
-        $bankAccount->balance = $xml->STMTRS->LEDGERBAL->BALAMT;
-        $bankAccount->balanceDate = $this->createDateTimeFromStr($xml->STMTRS->LEDGERBAL->DTASOF, true);
+        $bankAccount->transactionUid = $transactionUid;
+        $bankAccount->agencyNumber = $statementResponse->BANKACCTFROM->BRANCHID;
+        $bankAccount->accountNumber = $statementResponse->BANKACCTFROM->ACCTID;
+        $bankAccount->routingNumber = $statementResponse->BANKACCTFROM->BANKID;
+        $bankAccount->accountType = $statementResponse->BANKACCTFROM->ACCTTYPE;
+        $bankAccount->balance = $statementResponse->LEDGERBAL->BALAMT;
+        $bankAccount->balanceDate = $this->createDateTimeFromStr(
+            $statementResponse->LEDGERBAL->DTASOF,
+            true
+        );
 
         $bankAccount->statement = new Statement();
-        $bankAccount->statement->currency = $xml->STMTRS->CURDEF;
-        $bankAccount->statement->startDate = $this->createDateTimeFromStr($xml->STMTRS->BANKTRANLIST->DTSTART);
-        $bankAccount->statement->endDate = $this->createDateTimeFromStr($xml->STMTRS->BANKTRANLIST->DTEND);
-        $bankAccount->statement->transactions = $this->buildTransactions($xml->STMTRS->BANKTRANLIST->STMTTRN);
+        $bankAccount->statement->currency = $statementResponse->CURDEF;
+
+        $bankAccount->statement->startDate = $this->createDateTimeFromStr(
+            $statementResponse->BANKTRANLIST->DTSTART
+        );
+
+        $bankAccount->statement->endDate = $this->createDateTimeFromStr(
+            $statementResponse->BANKTRANLIST->DTEND
+        );
+
+        $bankAccount->statement->transactions = $this->buildTransactions(
+            $statementResponse->BANKTRANLIST->STMTTRN
+        );
 
         return $bankAccount;
     }
@@ -264,6 +279,8 @@ private function buildStatus(SimpleXMLElement $xml)
      */
     private function createDateTimeFromStr($dateString, $ignoreErrors = false)
     {
+        if((!isset($dateString) || trim($dateString) === '')) return null;
+        
         $regex = '/'
             . "(\d{4})(\d{2})(\d{2})?"     // YYYYMMDD             1,2,3
             . "(?:(\d{2})(\d{2})(\d{2}))?" // HHMMSS   - optional  4,5,6
@@ -310,7 +327,7 @@ private function createDateTimeFromStr($dateString, $ignoreErrors = false)
     private function createAmountFromStr($amountString)
     {
         // Decimal mark style (UK/US): 000.00 or 0,000.00
-        if (preg_match('/^-?([\d,]+)(\.?)([\d]{2})$/', $amountString) === 1) {
+        if (preg_match('/^(-|\+)?([\d,]+)(\.?)([\d]{2})$/', $amountString) === 1) {
             return (float)preg_replace(
                 ['/([,]+)/', '/\.?([\d]{2})$/'],
                 ['', '.$1'],
@@ -319,7 +336,7 @@ private function createAmountFromStr($amountString)
         }
 
         // European style: 000,00 or 0.000,00
-        if (preg_match('/^-?([\d\.]+,?[\d]{2})$/', $amountString) === 1) {
+        if (preg_match('/^(-|\+)?([\d\.]+,?[\d]{2})$/', $amountString) === 1) {
             return (float)preg_replace(
                 ['/([\.]+)/', '/,?([\d]{2})$/'],
                 ['', '.$1'],
diff --git a/lib/OfxParser/Parser.php b/lib/OfxParser/Parser.php
index 081c82a..4fec0a7 100644
--- a/lib/OfxParser/Parser.php
+++ b/lib/OfxParser/Parser.php
@@ -63,6 +63,10 @@ private function conditionallyAddNewlines($ofxContent)
             return str_replace('<', "\n<", $ofxContent); // add line breaks to allow XML to parse
         }
 
+        if (preg_match('/<.+>.*<.+>/', $ofxContent) === 1) {
+            return str_replace('<', "\n<", $ofxContent); // add line breaks to allow XML to parse
+        }
+
         return $ofxContent;
     }
 
@@ -98,7 +102,7 @@ private function closeUnclosedXmlTags($line)
         // Does not match: <SOMETHING>
         // Does not match: <SOMETHING>blah</SOMETHING>
         if (preg_match(
-            "/<([A-Za-z0-9.]+)>([\wà-úÀ-Ú0-9\.\-\_\+\, ;:\[\]\'\&\/\\\*\(\)\+\{\|\}\!\£\$\?=@€£#%±§~`]+)$/",
+            "/<([A-Za-z0-9.]+)>([\wà-úÀ-Ú0-9\.\-\_\+\, ;:\[\]\'\&\/\\\*\(\)\+\{\|\}\!\£\$\?=@€£#%±§~`\"]+)$/",
             trim($line),
             $matches
         )) {
@@ -117,6 +121,8 @@ private function convertSgmlToXml($sgml)
     {
         $sgml = str_replace(["\r\n", "\r"], "\n", $sgml);
 
+        $sgml = preg_replace('/&(?!#?[a-z0-9]+;)/', '&amp;', $sgml);
+
         $lines = explode("\n", $sgml);
 
         $xml = '';
diff --git a/lib/OfxParser/Parserv2.php b/lib/OfxParser/Parserv2.php
new file mode 100644
index 0000000..508fb41
--- /dev/null
+++ b/lib/OfxParser/Parserv2.php
@@ -0,0 +1,126 @@
+<?php
+
+namespace OfxParser;
+
+/**
+ * An OFX parser library
+ *
+ * Heavily refactored from Guillaume Bailleul's grimfor/ofxparser
+ *
+ * @author Guillaume BAILLEUL <contact@guillaume-bailleul.fr>
+ * @author James Titcumb <hello@jamestitcumb.com>
+ * @author Oliver Lowe <mrtriangle@gmail.com>
+ */
+class Parserv2
+{
+    /**
+     * Load an OFX file into this parser by way of a filename
+     *
+     * @param string $ofxFile A path that can be loaded with file_get_contents
+     * @return Ofx
+     * @throws \Exception
+     */
+    public function loadFromFile($ofxFile)
+    {
+        if (!file_exists($ofxFile)) {
+            throw new \InvalidArgumentException("File '{$ofxFile}' could not be found");
+        }
+
+        return $this->loadFromString(file_get_contents($ofxFile));
+    }
+
+    /**
+     * Load an OFX by directly using the text content
+     *
+     * @param string $ofxContent
+     * @return  Ofx
+     * @throws \Exception
+     */
+    public function loadFromString($ofxContent)
+    {
+        $ofxContent = utf8_encode($ofxContent);
+        $xml = $this->xmlLoadString($ofxContent);
+
+        return new Ofx($xml);
+    }
+
+    /**
+     * Detect if the OFX file is on one line. If it is, add newlines automatically.
+     *
+     * @param string $ofxContent
+     * @return string
+     */
+    private function conditionallyAddNewlines($ofxContent)
+    {
+        if (preg_match('/<OFX>.*<\/OFX>/', $ofxContent) === 1) {
+            return str_replace('<', "\n<", $ofxContent); // add line breaks to allow XML to parse
+        }
+
+        if (preg_match('/<.+>.*<.+>/', $ofxContent) === 1) {
+            return str_replace('<', "\n<", $ofxContent); // add line breaks to allow XML to parse
+        }
+
+        return $ofxContent;
+    }
+
+    /**
+     * Load an XML string without PHP errors - throws exception instead
+     *
+     * @param string $xmlString
+     * @throws \Exception
+     * @return \SimpleXMLElement
+     */
+    private function xmlLoadString($xmlString)
+    {
+        libxml_clear_errors();
+        libxml_use_internal_errors(true);
+        $xml = simplexml_load_string($xmlString);
+
+        if ($errors = libxml_get_errors()) {
+            throw new \RuntimeException('Failed to parse OFX: ' . var_export($errors, true));
+        }
+
+        return $xml;
+    }
+
+    /**
+     * Detect any unclosed XML tags - if they exist, close them
+     *
+     * @param string $line
+     * @return string
+     */
+    private function closeUnclosedXmlTags($line)
+    {
+        // Matches: <SOMETHING>blah
+        // Does not match: <SOMETHING>
+        // Does not match: <SOMETHING>blah</SOMETHING>
+        if (preg_match(
+            "/<([A-Za-z0-9.]+)>([\wà-úÀ-Ú0-9\.\-\_\+\, ;:\[\]\'\&\/\\\*\(\)\+\{\|\}\!\£\$\?=@€£#%±§~`]+)$/",
+            trim($line),
+            $matches
+        )) {
+            return "<{$matches[1]}>{$matches[2]}</{$matches[1]}>";
+        }
+        return $line;
+    }
+
+    /**
+     * Convert an SGML to an XML string
+     *
+     * @param string $sgml
+     * @return string
+     */
+    private function convertSgmlToXml($sgml)
+    {
+        $sgml = str_replace(["\r\n", "\r"], "\n", $sgml);
+
+        $lines = explode("\n", $sgml);
+
+        $xml = '';
+        foreach ($lines as $line) {
+            $xml .= trim($this->closeUnclosedXmlTags($line)) . "\n";
+        }
+
+        return trim($xml);
+    }
+}
diff --git a/tests/OfxParser/OfxTest.php b/tests/OfxParser/OfxTest.php
index 486f287..8691d97 100644
--- a/tests/OfxParser/OfxTest.php
+++ b/tests/OfxParser/OfxTest.php
@@ -38,6 +38,12 @@ public function amountConversionProvider()
             '1' => ['1', 1.0],
             '10' => ['10', 10.0],
             '100' => ['100', 1.0], // @todo this is weird behaviour, should not really expect this
+            '+1' => ['+1', 1.0],
+            '+10' => ['+10', 10.0],
+            '+1000.00' => ['+1000.00', 1000.0],
+            '+1000,00' => ['+1000,00', 1000.0],
+            '+1,000.00' => ['+1,000.00', 1000.0],
+            '+1.000,00' => ['+1.000,00', 1000.0],
         ];
     }
 
@@ -81,6 +87,11 @@ public function testCreateDateTimeFromOFXDateFormats()
         // Test YYYYMMDDHHMMSS.XXX
         $DateTimeFour = $method->invoke($Ofx, '20081005132200.124');
         self::assertEquals($expectedDateTime->getTimestamp(), $DateTimeFour->getTimestamp());
+
+        // Test empty datetime
+        $DateTimeFour = $method->invoke($Ofx, '');
+        self::assertEquals(null, $DateTimeFour);
+
     }
 
     public function testBuildsSignOn()
diff --git a/tests/OfxParser/ParserTest.php b/tests/OfxParser/ParserTest.php
index 77d2f1e..20bcf5f 100644
--- a/tests/OfxParser/ParserTest.php
+++ b/tests/OfxParser/ParserTest.php
@@ -112,6 +112,18 @@ public function convertSgmlToXmlProvider()
 <ACCTID>XXXXXXXXXXX</ACCTID>
 <ACCTTYPE>CHECKING</ACCTTYPE>
 </BANKACCTFROM>
+HERE
+            ],[<<<HERE
+<SOMETHING>
+    <FOO>bar & restaurant
+    <BAZ>bat</BAZ>
+</SOMETHING>
+HERE
+        , <<<HERE
+<SOMETHING>
+<FOO>bar &amp; restaurant</FOO>
+<BAZ>bat</BAZ>
+</SOMETHING>
 HERE
             ],
         ];
@@ -163,8 +175,12 @@ public function loadFromStringProvider()
             'ofxdata-oneline.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-oneline.ofx'],
             'ofxdata-cmfr.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-cmfr.ofx'],
             'ofxdata-bb.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-bb.ofx'],
+            'ofxdata-bb-two-stmtrs.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-bb-two-stmtrs.ofx'],
             'ofxdata-credit-card.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-credit-card.ofx'],
             'ofxdata-bpbfc.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-bpbfc.ofx'],
+            'ofxdata-memoWithQuotes.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-memoWithQuotes.ofx'],
+            'ofxdata-emptyDateTime.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-emptyDateTime.ofx'],
+            'ofxdata-memoWithAmpersand.ofx' => [dirname(__DIR__).'/fixtures/ofxdata-memoWithAmpersand.ofx'],
         ];
     }
 
diff --git a/tests/fixtures/ofxdata-bb-two-stmtrs.ofx b/tests/fixtures/ofxdata-bb-two-stmtrs.ofx
new file mode 100644
index 0000000..8775285
--- /dev/null
+++ b/tests/fixtures/ofxdata-bb-two-stmtrs.ofx
@@ -0,0 +1,357 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+<OFX>
+<SIGNONMSGSRSV1>
+ <SONRS>
+  <STATUS>
+   <CODE>0</CODE>
+   <SEVERITY>INFO</SEVERITY>
+  </STATUS>
+  <DTSERVER>20170329
+  <LANGUAGE>POR
+  <DTACCTUP>20170329
+  <FI>
+   <ORG>Banco do Brasil S/A
+   <FID>001
+  </FI>
+ </SONRS>
+</SIGNONMSGSRSV1>
+<BANKMSGSRSV1>
+ <STMTTRNRS>
+  <TRNUID>0
+   <STATUS>
+    <CODE>0
+    <SEVERITY>INFO
+   </STATUS>
+   <STMTRS>
+    <CURDEF>BRL
+	<BANKACCTFROM>
+	 <BANKID>001
+	 <ACCTID>455000-5 
+	 <ACCTTYPE>CHECKING
+	</BANKACCTFROM>
+	<BANKTRANLIST>
+	 <DTSTART>20170220 
+	 <DTEND>20170220 
+	</BANKTRANLIST>
+    <LEDGERBAL>
+	 <BALAMT>0.00
+	 <DTASOF>20170329
+    </LEDGERBAL>
+    <MKTGINFO>Banco do Brasil, esse parceiro é todo seu.
+   </STMTRS>
+   <STMTRS>
+    <CURDEF>BRL
+	<BANKACCTFROM>
+	 <BANKID>001
+	 <ACCTID>655000-2 
+	 <ACCTTYPE>CHECKING
+	</BANKACCTFROM>
+	<BANKTRANLIST>
+	 <DTSTART>20170224 
+	 <DTEND>20170329 
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170301 
+	  <TRNAMT>13318.36 
+	  <FITID>2017030101331836 
+	  <CHECKNUM>5322222 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170301 
+	  <TRNAMT>413.29 
+	  <FITID>20170301041329 
+	  <CHECKNUM>5398076 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170301 
+	  <TRNAMT>1.00 
+	  <FITID>201703010100 
+	  <CHECKNUM>6728440 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170302 
+	  <TRNAMT>1657.34 
+	  <FITID>201703020165734 
+	  <CHECKNUM>7472895 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170302 
+	  <TRNAMT>2299.00 
+	  <FITID>201703020229900 
+	  <CHECKNUM>74283522 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170302 
+	  <TRNAMT>4000.00 
+	  <FITID>201703020400000 
+	  <CHECKNUM>74283531 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170303 
+	  <TRNAMT>1580.04 
+	  <FITID>201703030158004 
+	  <CHECKNUM>74643016 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170306 
+	  <TRNAMT>408.31 
+	  <FITID>20170306040831 
+	  <CHECKNUM>200005 
+	  <MEMO>RECEBIMENTO FORNECEDOR    
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170306 
+	  <TRNAMT>106.43 
+	  <FITID>20170306010643 
+	  <CHECKNUM>7177022 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEBIT 
+	  <DTPOSTED>20170306 
+	  <TRNAMT>-92.16 
+	  <FITID>2017030619216 
+	  <CHECKNUM>27238 
+	  <MEMO>SEGURO VIDA EMPRESA FLEX  
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170308 
+	  <TRNAMT>138.79 
+	  <FITID>20170308013879 
+	  <CHECKNUM>443977 
+	  <MEMO>DOC-FORNECEDOR/HONORÁRIOS 
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170308 
+	  <TRNAMT>408.72 
+	  <FITID>20170308040872 
+	  <CHECKNUM>9681298 
+	  <MEMO>TED-PAG FORNECEDORES      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170308 
+	  <TRNAMT>699.58 
+	  <FITID>20170308069958 
+	  <CHECKNUM>74699168 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170309 
+	  <TRNAMT>5973.24 
+	  <FITID>201703090597324 
+	  <CHECKNUM>5741509 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>75.62 
+	  <FITID>2017031307562 
+	  <CHECKNUM>9731 
+	  <MEMO>DOC CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>100.94 
+	  <FITID>20170313010094 
+	  <CHECKNUM>9732 
+	  <MEMO>DOC CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>395.64 
+	  <FITID>20170313039564 
+	  <CHECKNUM>9824 
+	  <MEMO>DOC CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>39.30 
+	  <FITID>2017031303930 
+	  <CHECKNUM>318100 
+	  <MEMO>DOC-FORNECEDOR/HONORÁRIOS 
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>1312.38 
+	  <FITID>201703130131238 
+	  <CHECKNUM>74744818 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>1203.26 
+	  <FITID>201703130120326 
+	  <CHECKNUM>74744904 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>1005.39 
+	  <FITID>201703130100539 
+	  <CHECKNUM>74744955 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170313 
+	  <TRNAMT>16660.00 
+	  <FITID>2017031301666000 
+	  <CHECKNUM>00033703 
+	  <MEMO>ORDEM BANCÁRIA            
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170316 
+	  <TRNAMT>2299.00 
+	  <FITID>201703160229900 
+	  <CHECKNUM>74554810 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEBIT 
+	  <DTPOSTED>20170317 
+	  <TRNAMT>-41272.37 
+	  <FITID>2017031714127237 
+	  <CHECKNUM>31701 
+	  <MEMO>IMPOSTOS                  
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170320 
+	  <TRNAMT>337.05 
+	  <FITID>20170320033705 
+	  <CHECKNUM>200005 
+	  <MEMO>RECEBIMENTO FORNECEDOR    
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170321 
+	  <TRNAMT>3568.96 
+	  <FITID>201703210356896 
+	  <CHECKNUM>58509 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170322 
+	  <TRNAMT>473.68 
+	  <FITID>20170322047368 
+	  <CHECKNUM>571721 
+	  <MEMO>DOC CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170322 
+	  <TRNAMT>3153.76 
+	  <FITID>201703220315376 
+	  <CHECKNUM>6995389 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170322 
+	  <TRNAMT>4000.00 
+	  <FITID>201703220400000 
+	  <CHECKNUM>74554819 
+	  <MEMO>CRÉDITO SISTEMA CDA       
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170323 
+	  <TRNAMT>2676.10 
+	  <FITID>201703230267610 
+	  <CHECKNUM>9397855 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>XFER 
+	  <DTPOSTED>20170323 
+	  <TRNAMT>4992.92 
+	  <FITID>201703230499292 
+	  <CHECKNUM>00044345 
+	  <MEMO>TRANSFERÊNCIA AGENDADA    
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEBIT 
+	  <DTPOSTED>20170324 
+	  <TRNAMT>-37000.00 
+	  <FITID>2017032413700000 
+	  <CHECKNUM>32401 
+	  <MEMO>TED TRANSF.ELETR.DISPONIV 
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170327 
+	  <TRNAMT>917.96 
+	  <FITID>20170327091796 
+	  <CHECKNUM>4329891 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170327 
+	  <TRNAMT>413.29 
+	  <FITID>20170327041329 
+	  <CHECKNUM>4452039 
+	  <MEMO>TED-CRÉDITO EM CONTA      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEP 
+	  <DTPOSTED>20170327 
+	  <TRNAMT>154.52 
+	  <FITID>20170327015452 
+	  <CHECKNUM>5171371 
+	  <MEMO>TED-PAG FORNECEDORES      
+	 </STMTTRN>
+	 <STMTTRN>
+	  <TRNTYPE>DEBIT 
+	  <DTPOSTED>20170327 
+	  <TRNAMT>-68.00 
+	  <FITID>2017032716800 
+	  <CHECKNUM>01096659 
+	  <MEMO>TARIFA PACOTE DE SERVIÇOS 
+	 </STMTTRN>
+	</BANKTRANLIST>
+    <LEDGERBAL>
+	 <BALAMT>4555.28
+	 <DTASOF>20170329
+    </LEDGERBAL>
+    <MKTGINFO>Banco do Brasil, esse parceiro é todo seu.
+   </STMTRS>
+  </STMTTRNRS>
+</BANKMSGSRSV1>
+</OFX>
\ No newline at end of file
diff --git a/tests/fixtures/ofxdata-emptyDateTime.ofx b/tests/fixtures/ofxdata-emptyDateTime.ofx
new file mode 100644
index 0000000..fe7e7a2
--- /dev/null
+++ b/tests/fixtures/ofxdata-emptyDateTime.ofx
@@ -0,0 +1,49 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+<OFX>
+<SIGNONMSGSRSV1>
+<SONRS>
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+<DTSERVER>20181217111357
+<LANGUAGE>ENG
+</SONRS>
+</SIGNONMSGSRSV1>
+<BANKMSGSRSV1>
+<STMTTRNRS>
+<TRNUID>1
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+<STMTRS>
+<CURDEF>AUD
+<BANKTRANLIST>
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20181214000000
+<TRNAMT>337.50
+<FITID>140217
+<MEMO>TEST TEST TEST AAAA
+</STMTTRN>
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20181213000000
+<TRNAMT>150.00
+<FITID>126659
+<MEMO>TEST TEST TEST BBBB
+</STMTTRN>
+</BANKTRANLIST>
+</STMTRS>
+</STMTTRNRS>
+</BANKMSGSRSV1>
+</OFX>
\ No newline at end of file
diff --git a/tests/fixtures/ofxdata-memoWithAmpersand.ofx b/tests/fixtures/ofxdata-memoWithAmpersand.ofx
new file mode 100644
index 0000000..09320e6
--- /dev/null
+++ b/tests/fixtures/ofxdata-memoWithAmpersand.ofx
@@ -0,0 +1,176 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+<OFX>
+<SIGNONMSGSRSV1>
+<SONRS>
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+
+<DTSERVER>20181026000000[-3:GMT]
+<LANGUAGE>POR
+</SONRS>
+</SIGNONMSGSRSV1>
+
+<CREDITCARDMSGSRSV1>
+<CCSTMTTRNRS>
+<TRNUID>1001
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+
+<CCSTMTRS>
+<CURDEF>BRL
+<CCACCTFROM>
+<ACCTID>99999999-9999-9999-9999-999999999999
+</CCACCTFROM>
+
+<BANKTRANLIST>
+<DTSTART>20180913000000[-3:GMT]
+<DTEND>20181013000000[-3:GMT]
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-33.3
+<FITID>5b4f6eea-9999-9999-9999-794a31c8f61b
+<MEMO>Amazon.Com.Br Amazon & Cloud 3/3
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-9.9
+<FITID>5b62619e-9999-9999-9999-e26b2df210fc
+<MEMO>Empiricus 3/12
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-140
+<FITID>5b4f3b92-9999-9999-9999-902a256f3470
+<MEMO>Funcern 3/4
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-40
+<FITID>5b2b9e42-9999-9999-9999-1742bdf860ad
+<MEMO>Azul Linhas Aereas*Fef 4/4
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180917000000[-3:GMT]
+<TRNAMT>-5.27
+<FITID>5ba09990-9999-9999-9999-ebd979a2a758
+<MEMO>IOF de "Leupay.Eu" & Whoelse
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180917000000[-3:GMT]
+<TRNAMT>-82.54
+<FITID>5ba09c73-9999-9999-9999-191cf5c75cb1
+<MEMO>Leupay.Eu
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180918000000[-3:GMT]
+<TRNAMT>-225
+<FITID>5b9fe897-9999-9999-9999-8ef65fb1ec8f
+<MEMO>Mercpago
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>600
+<FITID>5ba47b96-9999-9999-9999-d57a38a6507d
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>-12.2
+<FITID>5ba2937e-9999-9999-9999-7f21ffede0af
+<MEMO>Mundo Verde
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>127.87
+<FITID>5ba47b64-9999-9999-9999-4e784e26540d
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>400
+<FITID>5ba47b9d-9999-9999-9999-3635c88dfb3f
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180921000000[-3:GMT]
+<TRNAMT>-80.68
+<FITID>5ba38bad-9999-9999-9999-354f59379d1d
+<MEMO>Assai Ata
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180922000000[-3:GMT]
+<TRNAMT>-14.5
+<FITID>5ba5599b-9999-9999-9999-986103e3cd9e
+<MEMO>Pag*Marianadiasdebrit
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180924000000[-3:GMT]
+<TRNAMT>-9.88
+<FITID>5ba66b2a-9999-9999-9999-2da061b5ad4d
+<MEMO>Superfacil Atacado
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20181005000000[-3:GMT]
+<TRNAMT>-4.84
+<FITID>5bb8d7fa-9999-9999-9999-d9632e284d02
+<MEMO>IOF de "Leupay.Eu"
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20181005000000[-3:GMT]
+<TRNAMT>-75.94
+<FITID>5bb8d808-9999-9999-9999-dfa3886b11ab
+<MEMO>Leupay.Eu
+</STMTTRN>
+</BANKTRANLIST>
+
+<LEDGERBAL>
+<BALAMT>-734.05
+<DTASOF>20181013000000[-3:GMT]
+</LEDGERBAL>
+</CCSTMTRS>
+</CCSTMTTRNRS>
+</CREDITCARDMSGSRSV1>
+</OFX>
diff --git a/tests/fixtures/ofxdata-memoWithQuotes.ofx b/tests/fixtures/ofxdata-memoWithQuotes.ofx
new file mode 100644
index 0000000..0b16682
--- /dev/null
+++ b/tests/fixtures/ofxdata-memoWithQuotes.ofx
@@ -0,0 +1,176 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+<OFX>
+<SIGNONMSGSRSV1>
+<SONRS>
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+
+<DTSERVER>20181026000000[-3:GMT]
+<LANGUAGE>POR
+</SONRS>
+</SIGNONMSGSRSV1>
+
+<CREDITCARDMSGSRSV1>
+<CCSTMTTRNRS>
+<TRNUID>1001
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+
+<CCSTMTRS>
+<CURDEF>BRL
+<CCACCTFROM>
+<ACCTID>99999999-9999-9999-9999-999999999999
+</CCACCTFROM>
+
+<BANKTRANLIST>
+<DTSTART>20180913000000[-3:GMT]
+<DTEND>20181013000000[-3:GMT]
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-33.3
+<FITID>5b4f6eea-9999-9999-9999-794a31c8f61b
+<MEMO>Amazon.Com.Br Amazon S 3/3
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-9.9
+<FITID>5b62619e-9999-9999-9999-e26b2df210fc
+<MEMO>Empiricus 3/12
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-140
+<FITID>5b4f3b92-9999-9999-9999-902a256f3470
+<MEMO>Funcern 3/4
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180913000000[-3:GMT]
+<TRNAMT>-40
+<FITID>5b2b9e42-9999-9999-9999-1742bdf860ad
+<MEMO>Azul Linhas Aereas*Fef 4/4
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180917000000[-3:GMT]
+<TRNAMT>-5.27
+<FITID>5ba09990-9999-9999-9999-ebd979a2a758
+<MEMO>IOF de "Leupay.Eu"
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180917000000[-3:GMT]
+<TRNAMT>-82.54
+<FITID>5ba09c73-9999-9999-9999-191cf5c75cb1
+<MEMO>Leupay.Eu
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180918000000[-3:GMT]
+<TRNAMT>-225
+<FITID>5b9fe897-9999-9999-9999-8ef65fb1ec8f
+<MEMO>Mercpago
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>600
+<FITID>5ba47b96-9999-9999-9999-d57a38a6507d
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>-12.2
+<FITID>5ba2937e-9999-9999-9999-7f21ffede0af
+<MEMO>Mundo Verde
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>127.87
+<FITID>5ba47b64-9999-9999-9999-4e784e26540d
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20180920000000[-3:GMT]
+<TRNAMT>400
+<FITID>5ba47b9d-9999-9999-9999-3635c88dfb3f
+<MEMO>Pagamento recebido
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180921000000[-3:GMT]
+<TRNAMT>-80.68
+<FITID>5ba38bad-9999-9999-9999-354f59379d1d
+<MEMO>Assai Ata
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180922000000[-3:GMT]
+<TRNAMT>-14.5
+<FITID>5ba5599b-9999-9999-9999-986103e3cd9e
+<MEMO>Pag*Marianadiasdebrit
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20180924000000[-3:GMT]
+<TRNAMT>-9.88
+<FITID>5ba66b2a-9999-9999-9999-2da061b5ad4d
+<MEMO>Superfacil Atacado
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20181005000000[-3:GMT]
+<TRNAMT>-4.84
+<FITID>5bb8d7fa-9999-9999-9999-d9632e284d02
+<MEMO>IOF de "Leupay.Eu"
+</STMTTRN>
+
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20181005000000[-3:GMT]
+<TRNAMT>-75.94
+<FITID>5bb8d808-9999-9999-9999-dfa3886b11ab
+<MEMO>Leupay.Eu
+</STMTTRN>
+</BANKTRANLIST>
+
+<LEDGERBAL>
+<BALAMT>-734.05
+<DTASOF>20181013000000[-3:GMT]
+</LEDGERBAL>
+</CCSTMTRS>
+</CCSTMTTRNRS>
+</CREDITCARDMSGSRSV1>
+</OFX>