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


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