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.

Bank	balance_report. balance_report_type	balance. balance_type	balance.vendor_code_type
Bank of America	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Bank of the West	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
BankProv	`previous_day`	You may receive all `balance_type` codes	`bai2`
Currencycloud	`real_time`	`current_available`	`currencycloud`
First Republic Bank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Increase	`real_time`	`current_available`	`bnk_dev`
JPMorgan Chase	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
MetaBank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Metropolitan Commercial Bank	`real_time`	`current_available`, `current_ledger`	`cleartouch`
Pacific Western Bank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Royal Bank of Canada	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Signature Bank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Silicon Valley Bank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Silvergate Bank	`real_time`	`current_available`, `current_ledger`	`silvergate`
Sutton Bank	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`
Wells Fargo	`intraday`, `previous_day`	You may receive all `balance_type` codes	`bai2`