Account Summary: The Consolidated Multi-Entity Balance Dashboard

Available vs Ledger vs Collected

Zero-click snippet: available balance equals ledger balance minus holds and uncollected funds; it is the spendable amount. Ledger is the posted accounting balance. Collected is the portion that has cleared the Federal Reserve.

Every row on the account summary displays available, ledger and collected side by side. Treasury leaders use available for same-day wire and ACH authorization decisions, ledger for prior-day reconciliation, and collected when the treasurer wants to confirm cleared funds before issuing a large disbursement. The platform flags any account where the spread between ledger and available exceeds a configurable threshold — the classic early signal that an unexpected return or hold has hit.

Multi-Entity Roll-Up

Zero-click snippet: multi-entity roll-up aggregates balances from unlimited legal entities into a single parent dashboard with permission-scoped drill-down per subsidiary.

Configure the hierarchy once. Users mapped to the parent entity see the consolidated position; users mapped to a subsidiary see only that subsidiary. The Federal Reserve payment data feeds into each entity’s position in real time. For holding-company treasurers managing 4–40 subsidiaries, this eliminates the morning spreadsheet roll that used to consume two staff hours before the first wire was even initiated.

Real-Time vs Prior-Day

Zero-click snippet: real-time view refreshes every 60 seconds; prior-day BAI2 is finalized and available by 6:00am CT the next business day.

Treasury workflows split cleanly. Intraday decisions run off the real-time view — authorizing wires, triggering same-day ACH, moving sweep funds. Reconciliation, audit and controller workflows run off the prior-day BAI2 file that posts before 6:00am CT. Both views share the same underlying ledger, so there is never a reconciliation break between what the treasurer saw at 2pm and what the controller imports at 7am.

Treasurer — 7:00am CT Daily

Opens the consolidated view, confirms overnight sweep executed, scans pending wires and ACH returns, green-lights the day’s large-value disbursement schedule. If the available-to-ledger spread is wider than the 10-day average on any entity, the platform flags it before the treasurer has to look.

Controller — Reconciliation Window

Pulls yesterday’s BAI2 into the ERP, ties out every posted line, flags the exceptions, and escalates anything older than 48 hours. Transaction reporting and data export feed the reconciliation engine.

AP Manager — Pre-Authorization

Before releasing a large batch of vendor payments, confirms the AP operating account has sufficient available balance, applies sweep from the concentration account if not, and re-checks 90 seconds later to confirm funds landed.

External Auditor — Quarterly

Reads-only account summary export with immutable timestamps. Controls tested against OCC-aligned bank confirmation procedures. Every access written to the audit log.