} else {
    //Ambil Saldo di Ibanking (trxcode=3)
    if ($saldoakhirbca != 0) {
        $params = 'user='******'&pass='******'&nomoracc=' . $accbca . '&trxcode=2' . '&bank=BCA';
    } else {
        $params = 'user='******'&pass='******'&nomoracc=' . $accbca . '&trxcode=1' . '&bank=BCA';
    }
    $ch = curl_init();
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 0);
    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 0);
    curl_setopt($ch, CURLOPT_FOLLOWLOCATION, 0);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
    curl_setopt($ch, CURLOPT_URL, $apiurl);
    curl_setopt($ch, CURLOPT_POSTFIELDS, $params);
    $hasil = curl_exec($ch);
    $hasil = fixCDATA($hasil);
    // echo print_r($hasil);
    $xml = simplexml_load_string($hasil) or die("Error: Cannot create object");
    $status = $xml->title;
    //Eksekusi jika hasil API tidak bermasalah
    if ($status != "Error") {
        $saldoTabunganbca = fixAngka($xml->Saldo);
        // Initial Mutasi Database jika belum ada record
        if ($saldoakhirbca == '0') {
            $query = $db->query("UPDATE " . DB_PREFIX . "autobilling_saldo SET saldo_bca='" . $saldoTabunganbca . "' WHERE saldo_id = '1'");
            $i = 0;
            $pesan = "Inisial data Mutasi bank BCA..\n" . "Nomor Rek   : " . $accbca . "\n" . "Saldo Awal  : Rp " . number_format($saldoakhirbca, 2, ',', '.') . "\n" . "Saldo Akhir : Rp " . number_format((double) $saldoTabunganbca, 2, ',', '.') . "\n\n" . "Data Transaksi 1 Bulan Yang kami tambahkan ke database:\n" . "=======================================================\n";
            //$pesan .= print($xml->sXML());
            foreach ($xml->TransaksiBCA as $key => $transaksiharian) {
                /*
                	$tgl = substr($transaksiharian[$i]->Tanggal, 0,2);
     }
 } else {
     //Eksekusi jika saldo tidak nol
     //bandingkan saldo jika sama artinya tidak ada transaksi baru
     if (abs($saldoakhirmandiri - $saldoTabunganMandiri) > 1000) {
         //jika ada perbedaan, ambil transaksi hari ini
         $ch2 = curl_init();
         $params2 = 'user='******'&pass='******'&nomoracc=' . $accmandiri . '&trxcode=2';
         curl_setopt($ch2, CURLOPT_SSL_VERIFYHOST, 0);
         curl_setopt($ch2, CURLOPT_SSL_VERIFYPEER, 0);
         curl_setopt($ch2, CURLOPT_FOLLOWLOCATION, 0);
         curl_setopt($ch2, CURLOPT_RETURNTRANSFER, 1);
         curl_setopt($ch2, CURLOPT_URL, $apiurl);
         curl_setopt($ch2, CURLOPT_POSTFIELDS, $params2);
         $hasil2 = curl_exec($ch2);
         $hasil2 = fixCDATA($hasil2);
         $xml2 = simplexml_load_string($hasil2) or die("Error: Cannot create object");
         $status2 = $xml2->title;
         if ($status2 != "Error") {
             //Update saldo Akhir
             if ($saldoTabunganMandiri > 1) {
                 $query = $db->query("UPDATE " . DB_PREFIX . "autobilling_saldo SET saldo_mandiri='" . $saldoTabunganMandiri . "' WHERE saldo_id = '1'");
             }
             $i = 0;
             //Update data mutasi
             $pesan = "Ada Transaksi di bank mandiri sbb:\n" . "Saldo Awal Database: Rp " . number_format($saldoakhirmandiri, 2, ',', '.') . "\n" . "Saldo Akhir:  Rp " . number_format((double) $saldoTabunganMandiri, 2, ',', '.') . "\n\n" . "Berikut adalah data Transaksi masuk hari ini :\n";
             $adatransaksi = false;
             foreach ($xml2->transaksiMandiri as $key => $transaksiharian) {
                 if ($i > 0) {
                     $tgl = substr($transaksiharian[$i]->Tanggal, 0, 2);
                     $bln = substr($transaksiharian[$i]->Tanggal, 3, 2);