diff --git a/tests/test_reconcile.py b/tests/test_reconcile.py
index aa368a882426e20bddfeb7784b13faf8650edfd9..9d58eb77b0cc60b95ca147939bdfcfc192d0c661 100644
--- a/tests/test_reconcile.py
+++ b/tests/test_reconcile.py
@@ -1,5 +1,6 @@
 import datetime
 import decimal
+import io
 import os
 import tempfile
 import textwrap
@@ -9,10 +10,10 @@ from conservancy_beancount.reconcile.statement_reconciler import (
     match_statement_and_books,
     metadata_for_match,
     payee_match,
+    read_amex_csv,
+    read_fr_csv,
     remove_duplicate_words,
     remove_payee_junk,
-    standardize_amex_record,
-    standardize_fr_record,
     subset_match,
     totals,
     write_metadata_to_books,
@@ -345,40 +346,36 @@ def test_subset_passes_through_all_non_matches():
     )
 
 
-def test_handles_fr_record_with_comma_separators():
-    # CSV would look something like:
-    #
-    # "Date","ABA Num","Currency","Account Num","Account Name","Description","BAI Code","Amount","Serial Num","Ref Num","Detail"
-    # "02/07/2022",,,,,,,"10,000.00",,,"XXXX"
-    input_row = {
-        'Date': '02/07/2022',
-        'Amount': '10,000.00',
-        'Detail': 'XXXX',
-        'Serial Num': '',
-    }
-    expected = {
-        'date': datetime.date(2022, 2, 7),
-        'amount': decimal.Decimal('10000'),
-        'payee': 'XXXX',
-        'check_id': '',
-        'line': 1,
-    }
-    assert standardize_fr_record(input_row, line=1) == expected
-
-
-def test_handles_amex_record_with_comma_separators():
-    # This insn't typically a problem with AMEX, but adding for completeness.
-    input_row = {
-        'Date': '02/07/2022',
-        'Amount': '-10,000.00',  # Amounts are from Bank's perspective/negated.
-        'Description': 'XXXX',
-        'Serial Num': '',
-    }
-    expected = {
-        'date': datetime.date(2022, 2, 7),
-        'amount': decimal.Decimal('10000'),
-        'payee': 'XXXX',
-        'check_id': '',
-        'line': 1,
-    }
-    assert standardize_amex_record(input_row, line=1) == expected
+def test_handles_amex_csv():
+    CSV = """Date,Receipt,Description,Card Member,Account #,Amount,Extended Details,Appears On Your Statement As,Address,City/State,Zip Code,Country,Reference,Category\n08/19/2021,,Gandi.net           San Francisco,RODNEY R BROWN,-99999,28.15,"00000009999 00000009999999999999\nGandi.net\nSan Francisco\n00000009999999999999",Gandi.net           San Francisco,"NEPTUNUSSTRAAT 41-63\nHOOFDDORP",,2132 JA,NETHERLANDS (THE),'999999999999999999',Merchandise & Supplies-Internet Purchase\n"""
+    expected = [
+        {
+            'date': datetime.date(2021, 8, 19),
+            'amount': decimal.Decimal('-28.15'),
+            'payee': 'Gandi San Francisco',
+            'check_id': '',
+            'line': 2,
+        },
+    ]
+    assert read_amex_csv(io.StringIO(CSV)) == expected
+
+
+def test_handles_fr_csv():
+    CSV = """"DD99999999999","03/31/2022","LAST STATEMENT","","","$1,000.00"\n"9999999999999","04/01/2022","INCOMING WIRE","GONDOR S.S. A111111111BCDE0F","$6.50","$1,006.50"\n"DD99999999999","04/18/2022","CHECK  3741","","$-4.50","$1,002.00"\n"DD99999999999","04/30/2022","THIS STATEMENT","","","$102.00"\n"""
+    expected = [
+        {
+            'date': datetime.date(2022, 4, 1),
+            'amount': decimal.Decimal('6.50'),
+            'payee': 'GONDOR S.S. A1111111',
+            'check_id': '',
+            'line': 2,
+        },
+        {
+            'date': datetime.date(2022, 4, 18),
+            'amount': decimal.Decimal('-4.50'),
+            'payee': '',
+            'check_id': '3741',
+            'line': 3,
+        },
+    ]
+    assert read_fr_csv(io.StringIO(CSV)) == expected