diff --git a/tests/test_reconcile.py b/tests/test_reconcile.py
index 893dff3c0b1851c48e7a81eb8f3633ea7c64c47b..aa368a882426e20bddfeb7784b13faf8650edfd9 100644
--- a/tests/test_reconcile.py
+++ b/tests/test_reconcile.py
@@ -5,15 +5,17 @@ import tempfile
 import textwrap
 
 from conservancy_beancount.reconcile.statement_reconciler import (
-    match_statement_and_books,
-    remove_payee_junk,
     date_proximity,
-    remove_duplicate_words,
-    payee_match,
+    match_statement_and_books,
     metadata_for_match,
-    write_metadata_to_books,
-    totals,
+    payee_match,
+    remove_duplicate_words,
+    remove_payee_junk,
+    standardize_amex_record,
+    standardize_fr_record,
     subset_match,
+    totals,
+    write_metadata_to_books,
 )
 
 # These data structures represent individual transactions as taken from the
@@ -341,3 +343,42 @@ def test_subset_passes_through_all_non_matches():
         [S1],  # No match: preserved intact
         [B2, B3_next_day, B3_next_week]  # No match: preserved intact
     )
+
+
+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