Balance Reporting

Modern Treasury continuously imports balances for your internal accounts. We do our best to import balance data as soon as it is provided by your bank. Some banks provide the data via webhooks, which allows our system to import it quickly. For others, we check for new files that have been dropped in an SFTP folder. In these cases, we typically attempt to update balances every 5-60 minutes. Some banks do not provide balance data every hour, in which case you may not see balance reports created on that cadence.

When Modern Treasury receives new balances, a balance report is created. A balance report may contain multiple balances, as banks often provide more than one balance at once. For example, a BAI2 file from a bank might contain both your intraday ledger and available balances. You may subscribe to balance reports webhooks to get updates.

Here is a table detailing the types of balance reports and balances you should expect for each bank.

Bankbalance_report. balance_report_typebalance. balance_typebalance.vendor_code_type
Bank of Americaintraday, previous_dayYou may receive all balance_type codesbai2
Bank of the Westintraday, previous_dayYou may receive all balance_type codesbai2
BankProvprevious_dayYou may receive all balance_type codesbai2
Currencycloudreal_timecurrent_availablecurrencycloud
First Republic Bankintraday, previous_dayYou may receive all balance_type codesbai2
Increasereal_timecurrent_availablebnk_dev
JPMorgan Chaseintraday, previous_dayYou may receive all balance_type codesbai2
MetaBankintraday, previous_dayYou may receive all balance_type codesbai2
Metropolitan Commercial Bankreal_timecurrent_available, current_ledgercleartouch
Pacific Western Bankintraday, previous_dayYou may receive all balance_type codesbai2
Royal Bank of Canadaintraday, previous_dayYou may receive all balance_type codesbai2
Signature Bankintraday, previous_dayYou may receive all balance_type codesbai2
Silicon Valley Bankintraday, previous_dayYou may receive all balance_type codesbai2
Silvergate Bankreal_timecurrent_available, current_ledgersilvergate
Sutton Bankintraday, previous_dayYou may receive all balance_type codesbai2
Wells Fargointraday, previous_dayYou may receive all balance_type codesbai2