diff --git a/src/Makefile b/src/Makefile
index 5fb93f7..828b700 100644
--- a/src/Makefile
+++ b/src/Makefile
@@ -43,7 +43,7 @@ BBSTOOL-DEPS=bbstool.scm testing.import.scm listing.import.scm		\
 	bank-fio.import.scm members-payments.import.scm			\
 	web-static.import.scm environment.import.scm			\
 	mailman.import.scm util-set-list.import.scm			\
-	util-time.import.scm util-tag.import.scm
+	util-time.import.scm util-tag.import.scm util-io.import.scm
 
 BBSTOOL-OBJS=bbstool.o testing.o listing.o month.o period.o ansi.o	\
 	 dictionary.o command-line.o members-base.o utils.o primes.o	\
@@ -51,7 +51,7 @@ BBSTOOL-OBJS=bbstool.o testing.o listing.o month.o period.o ansi.o	\
 	 members-print.o member-fees.o members-dir.o csv-simple.o	\
 	 bank-account.o bank-fio.o members-payments.o member-parser.o	\
 	 web-static.o environment.o mailman.o util-set-list.o		\
-	 util-time.o util-tag.o
+	 util-time.o util-tag.o util-io.o
 
 .PHONY: imports
 imports: $(BBSTOOL-DEPS)
@@ -199,7 +199,7 @@ members-dir.o: members-dir.import.scm
 members-dir.import.scm: $(MEMBERS-DIR-SOURCES)
 
 CSV-SIMPLE-SOURCES=csv-simple.scm testing.import.scm	\
-	progress.import.scm
+	progress.import.scm util-io.import.scm
 
 csv-simple.o: csv-simple.import.scm
 csv-simple.import.scm: $(CSV-SIMPLE-SOURCES)
@@ -256,3 +256,8 @@ UTIL-TAG-SOURCES=util-tag.scm
 
 util-tag.o: util-tag.import.scm
 util-tag.import.scm: $(UTIL-TAG-SOURCES)
+
+UTIL-IO-SOURCES=util-io.scm
+
+util-io.o: util-io.import.scm
+util-io.import.scm: $(UTIL-IO-SOURCES)
diff --git a/src/bank-fio.scm b/src/bank-fio.scm
index d4cc06a..7fc0789 100644
--- a/src/bank-fio.scm
+++ b/src/bank-fio.scm
@@ -73,6 +73,14 @@
 		(num (if numrow (cadr numrow) "ERROR"))
 		(bankrow (assoc "bankId" head))
 		(bank (if bankrow (cadr bankrow) "ERROR")))
+	   (print head)
+	   (print numrow)
+	   (print bankrow)
+	   (print (assoc (caar head) head))
+	   (print (caar head))
+	   (print "accountId")
+	   (print (equal? "accountId" (caar head)))
+	   (print (string->list (caar head)))
 	   (make-bank-account num bank
 			      (map make-fio-transaction (cdr body))))
 	 (let ()
diff --git a/src/csv-simple.scm b/src/csv-simple.scm
index 8d00f61..7a20b4b 100644
--- a/src/csv-simple.scm
+++ b/src/csv-simple.scm
@@ -36,11 +36,11 @@
  (import scheme
 	 (chicken base)
 	 (chicken keyword)
-	 (chicken io)
 	 (chicken irregex)
 	 (chicken condition)
 	 testing
-	 progress)
+	 progress
+	 util-io)
 
   ;; Curry version of line parser with configurable cell separator and
  ;; string delimiter. Returns a list of lists of strings.
@@ -110,7 +110,7 @@
        (lambda (ex)
 	 (ret #f))
        (lambda ()
-	 (let ((lines (read-lines (open-input-file fn))))
+	 (let ((lines (read-lines/no-bom (open-input-file fn))))
 	   (apply csv-parse-lines lines args)))))))
 
  ;; Splits CSV into header and body based on the first empty row.
diff --git a/src/members-payments.scm b/src/members-payments.scm
index 39f8b97..c5702cf 100644
--- a/src/members-payments.scm
+++ b/src/members-payments.scm
@@ -86,7 +86,7 @@
 
  ;; Merges bank account statement into members payment keys. The
  ;; payment key will be a list of transactions.
- (define (members-payments-process-bank mb ba last-checked)
+ (define (members-payments-process-bank mb ba last-checked all-accounts)
    (let loop ((mb mb)
 	      (transactions (bank-account-transactions ba)))
      (if (null? transactions)
@@ -104,7 +104,10 @@
 		     (if (and (or (not last-checked)
 				  (> (bank-transaction-id transaction)
 				     last-checked))
-			      (> (bank-transaction-amount transaction) 0))
+			      (> (bank-transaction-amount transaction) 0)
+			      (not (bank-accounts-member? all-accounts
+							  (bank-transaction-account transaction)
+							  (bank-transaction-bank transaction))))
 			 (members-base-add-unpaired mb transaction)
 			 mb))
 		 (cdr transactions))))))
@@ -163,7 +166,7 @@
 		    (let ()
 		      (progress%-advance (/ idx total))
 		      (loop (if (car accounts)
-				(members-payments-process-bank mb (car accounts) last-checked)
+				(members-payments-process-bank mb (car accounts) last-checked accounts)
 				mb)
 			    (add1 idx)
 			    (cdr accounts))))))
diff --git a/src/util-io.scm b/src/util-io.scm
new file mode 100644
index 0000000..d19bf99
--- /dev/null
+++ b/src/util-io.scm
@@ -0,0 +1,55 @@
+;;
+;; util-io.scm
+;;
+;; Special IO extensions to deal with weird stuff.
+;;
+;; ISC License
+;;
+;; Copyright 2023 Brmlab, z.s.
+;; Dominik Pantůček <dominik.pantucek@trustica.cz>
+;;
+;; Permission to use, copy, modify, and/or distribute this software
+;; for any purpose with or without fee is hereby granted, provided
+;; that the above copyright notice and this permission notice appear
+;; in all copies.
+;; 
+;; THE SOFTWARE IS PROVIDED "AS IS" AND THE AUTHOR DISCLAIMS ALL
+;; WARRANTIES WITH REGARD TO THIS SOFTWARE INCLUDING ALL IMPLIED
+;; WARRANTIES OF MERCHANTABILITY AND FITNESS. IN NO EVENT SHALL THE
+;; AUTHOR BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, OR
+;; CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS
+;; OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT,
+;; NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN
+;; CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
+;;
+
+(declare (unit util-io))
+
+(module
+ util-io
+ (
+  read-lines/no-bom
+  )
+
+ (import scheme
+	 (chicken io))
+
+ ;; If given string begins with UTF-8 BOM, it is removed.
+ (define (remove-optional-bom str)
+   (if (< (string-length str) 3)
+       str
+       (let ((maybe-bom (substring str 0 3)))
+	 (if (string=? maybe-bom "\xEF\xBB\xBF")
+	     (substring str 3)
+	     str))))
+
+ ;; Reads lines from given input port, discarding BOM at the beginning
+ ;; of the first line if there is any.
+ (define (read-lines/no-bom ip)
+   (let ((lines (read-lines ip)))
+     (if (null? lines)
+	 lines
+	 (cons (remove-optional-bom (car lines))
+	       (cdr lines)))))
+
+ )